The insurance industry plays a vital role in helping individuals and businesses prepare for and recover from the potentially devastating effects of a disaster such as a catastrophic hurricane or storm or wildfire. Information on catastrophes, including earthquakes, terrorism, hurricanes, wildfires and tornadoes is provided in the “Supporting resiliency and disaster recovery” section of the Firm Foundation (see chapter navigation on the left). In addition, the section below provides state catastrophe rankings, followed by information on the following types of disasters:
- Hailstorms
- Hurricanes
- Tornadoes
- Wildfires
State catastrophe rankings
Top 10 States By Number Of Major Hail Events, 2025 (1)
| Rank |
State |
Number of hail events |
| 1 |
Texas |
902 |
| 2 |
Kansas |
375 |
| 3 |
Oklahoma |
369 |
| 4 |
Nebraska |
315 |
| 5 |
Missouri |
253 |
| 6 |
Colorado |
244 |
| 7 |
South Dakota |
232 |
| 8 |
Tennessee |
216 |
| 9 |
Illinois |
167 |
| 10 |
Arkansas |
154 |
|
United States |
5,432 |
(1) Hailstones one inch in diameter or larger.
Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.
Top 10 Costliest Hurricanes In The United States, 2024 (1)
|
|
|
Estimated insured loss |
| Rank |
Year |
Hurricane |
Dollars when occurred |
In 2024 dollars (2) |
| 1 |
2005 |
Hurricane Katrina |
$65,000 |
$104,471 |
| 2 |
2022 |
Hurricane Ian |
54,000 |
57,231 |
| 3 |
2021 |
Hurricane Ida |
36,000 |
41,540 |
| 4 |
2012 |
Hurricane Sandy |
30,000 |
40,939 |
| 5 |
2017 |
Hurricane Harvey |
30,000 |
38,571 |
| 6 |
2017 |
Hurricane Irma |
30,050 |
38,432 |
| 7 |
2017 |
Hurricane Maria |
29,511 |
37,743 |
| 8 |
1992 |
Hurricane Andrew |
16,000 |
35,845 |
| 9 |
2008 |
Hurricane Ike |
18,200 |
26,259 |
| 10 |
2024 |
Hurricane Milton |
20,000 |
20,000 |
(1) Includes Puerto Rico and the U.S. Virgin Islands and losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. Subject to change as loss estimates are further developed. As of January 2025.
(2) Adjusted for inflation by Aon using the U.S. Consumer Price Index.
Source: Aon.
Top Metropolitan Areas At Risk for Storm Surge and Hurricane Wind, 2024
|
At risk for storm surge |
| Metropolitan area (1) |
Number of homes |
Reconstruction cost value (2) ($billions) |
| New York |
878,226 |
$415.4 |
| Miami |
509,133 |
124.0 |
| Houston |
192,937 |
52.6 |
|
At risk for hurricane wind |
| Metropolitan area (1) |
Number of homes |
Reconstruction cost value (2) ($billions) |
| New York |
3,765,489 |
$1,961.1 |
| Houston |
2,092,308 |
671.3 |
| Miami |
2,048,827 |
511.4 |
(1) The Miami, New York and Houston metro areas studied in this analysis are defined by the Core Based Statistical Areas (CBSAs) of that region. In Miami, this includes the Miami-Fort Lauderdale-Pompano Beach, FL area; in New York City, this includes the New York City-Newark-Jersey City, NY-NJ-PA area; in Houston, this includes Houston-The Woodlands-Sugarland, TX.
(2) Combines materials, equipment and labor, but does not include the value of the land or lot.
Source: CoreLogic®, a property data and analytics company.
While individual hurricanes and earthquakes tend to produce higher losses, tornadoes account for a major share of catastrophe losses because of their frequency.
Tornadoes And Related Deaths By State, 2025 (1)
| State |
Tornadoes |
Fatalities |
Rank (2) |
State |
Tornadoes |
Fatalities |
Rank (2) |
| Alabama |
72 |
3 |
5 |
Montana |
6 |
0 |
33 |
| Alaska |
0 |
0 |
(3) |
Nebraska |
56 |
0 |
10 |
| Arizona |
6 |
0 |
33 |
Nevada |
1 |
0 |
41 |
| Arkansas |
61 |
3 |
9 |
New Hampshire |
0 |
0 |
(3) |
| California |
8 |
0 |
27 |
New Jersey |
3 |
0 |
37 |
| Colorado |
38 |
0 |
16 |
New Mexico |
21 |
0 |
24 |
| Connecticut |
0 |
0 |
(3) |
New York |
7 |
3 |
30 |
| Delaware |
2 |
0 |
38 |
North Carolina |
15 |
0 |
26 |
| D.C. |
0 |
0 |
(3) |
North Dakota |
72 |
3 |
5 |
| Florida |
25 |
0 |
22 |
Ohio |
27 |
0 |
21 |
| Georgia |
38 |
0 |
16 |
Oklahoma |
66 |
1 |
8 |
| Hawaii |
0 |
0 |
(3) |
Oregon |
2 |
0 |
38 |
| Idaho |
2 |
0 |
38 |
Pennsylvania |
23 |
0 |
23 |
| Illinois |
147 |
0 |
2 |
Puerto Rico |
0 |
0 |
(3) |
| Indiana |
67 |
1 |
7 |
Rhode Island |
0 |
0 |
(3) |
| Iowa |
36 |
0 |
19 |
South Carolina |
8 |
0 |
27 |
| Kansas |
45 |
0 |
13 |
South Dakota |
20 |
0 |
25 |
| Kentucky |
53 |
19 |
12 |
Tennessee |
41 |
9 |
14 |
| Louisiana |
41 |
0 |
14 |
Texas |
162 |
0 |
1 |
| Maine |
0 |
0 |
(3) |
Utah |
7 |
0 |
30 |
| Maryland |
7 |
0 |
30 |
Vermont |
0 |
0 |
(3) |
| Massachusetts |
4 |
0 |
36 |
Virginia |
6 |
0 |
33 |
| Michigan |
31 |
0 |
20 |
Washington |
0 |
0 |
(3) |
| Minnesota |
56 |
0 |
10 |
West Virginia |
0 |
0 |
(3) |
| Mississippi |
111 |
8 |
4 |
Wisconsin |
38 |
0 |
16 |
| Missouri |
120 |
17 |
3 |
Wyoming |
8 |
0 |
27 |
| |
|
|
|
United States (4) |
1,559 |
67 |
|
(1) Numbers include preliminary estimates as of January 2026. Ranked by total number of tornadoes.
(2) States with the same number of tornadoes receive the same ranking.
(3) State had no tornadoes in 2025.
(4) The U.S. total will not match data used in other charts because it counts tornadoes that cross state lines.
Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.
Wildfires By State, 2024
| State |
Number of fires |
Number of acres burned |
| Alabama |
1,525 |
20,978 |
| Alaska |
377 |
667,075 |
| Arizona |
2,191 |
282,989 |
| Arkansas |
1,219 |
25,444 |
| California |
8,316 |
1,081,144 |
| Colorado |
894 |
60,539 |
| Connecticut |
356 |
339 |
| Delaware |
23 |
137 |
| District of Columbia |
0 |
0 |
| Florida |
2,348 |
65,618 |
| Georgia |
2,492 |
11,896 |
| Hawaii |
90 |
452 |
| Idaho |
1,450 |
996,762 |
| Illinois |
47 |
441 |
| Indiana |
64 |
154 |
| Iowa |
362 |
3,965 |
| Kansas |
41 |
22,217 |
| Kentucky |
957 |
24,448 |
| Louisiana |
385 |
9,058 |
| Maine |
653 |
295 |
| Maryland |
174 |
965 |
| Massachusetts |
1,299 |
4,622 |
| Michigan |
447 |
2,062 |
| Minnesota |
1,123 |
15,125 |
| Mississippi |
1,800 |
55,880 |
| Missouri |
2,804 |
95,095 |
| Montana |
2,323 |
352,491 |
| Nebraska |
1,035 |
113,850 |
| Nevada |
929 |
70,410 |
| New Hampshire |
130 |
127 |
| New Jersey |
1,443 |
12,449 |
| New Mexico |
823 |
82,531 |
| New York |
125 |
6,496 |
| North Carolina |
4,668 |
18,233 |
| North Dakota |
935 |
173,237 |
| Ohio |
1,107 |
2,441 |
| Oklahoma |
3,041 |
383,592 |
| Oregon |
2,232 |
1,797,796 |
| Pennsylvania |
1,448 |
3,792 |
| Puerto Rico |
0 |
0 |
| Rhode Island |
73 |
75 |
| South Carolina |
50 |
634 |
| South Dakota |
675 |
35,809 |
| Tennessee |
596 |
7,771 |
| Texas |
4,967 |
1,314,903 |
| Utah |
1,211 |
90,417 |
| Vermont |
97 |
180 |
| Virginia |
742 |
56,372 |
| Washington |
1,806 |
275,593 |
| West Virginia |
1,104 |
55,309 |
| Wisconsin |
1,162 |
2,597 |
| Wyoming |
738 |
620,069 |
| United States (1) |
64,897 |
8,924,884 |
(1) Totals for the United States do not match totals shown elsewhere by the National Interagency Fire Center due to the use of different exhibits.
Source: National Interagency Fire Center.
Top 10 States For Wildfires Ranked By Number Of Fires And By Number Of Acres Burned, 2024
| Rank |
State |
Number of fires |
Rank |
State |
Number of acres burned |
| 1 |
California |
8,316 |
1 |
Oregon |
1,797,796 |
| 2 |
Texas |
4,967 |
2 |
Texas |
1,314,903 |
| 3 |
North Carolina |
4,668 |
3 |
California |
1,081,144 |
| 4 |
Oklahoma |
3,041 |
4 |
Idaho |
996,762 |
| 5 |
Missouri |
2,804 |
5 |
Alaska |
667,075 |
| 6 |
Georgia |
2,492 |
6 |
Wyoming |
620,069 |
| 7 |
Florida |
2,348 |
7 |
Oklahoma |
383,592 |
| 8 |
Montana |
2,323 |
8 |
Montana |
352,491 |
| 9 |
Oregon |
2,232 |
9 |
Arizona |
282,989 |
| 10 |
Arizona |
2,191 |
10 |
Washington |
275,593 |
Source: National Interagency Fire Center.
