Table Archive

Top 10 States For Homeowners Insurance Lightning Losses By Number Of Claims, 2025

Rank	State	Value of claims	Number of claims	Average cost per claim
1	Florida	$186.0	5,167	$35,993
2	California	156.5	4,211	37,159
3	Texas	252.9	4,188	60,382
4	Georgia	87.6	4,007	21,871
5	Alabama	56.7	2,981	19,025
6	North Carolina	49.5	2,844	17,421
7	Louisiana	45.2	2,311	19,538
8	Pennsylvania	33.4	2,177	15,355
9	Virginia	39.9	2,166	18,399
10	New York	45.2	2,004	22,577
	Top 10 States	$952.9	32,056	$29,726

Source: Insurance Information Institute, State Farm®.

Rank	State	Value of claims	Number of claims	Average cost per claim
1	Florida	$113,218,813	4,780	$23,686
2	Texas	168,461,044	4,369	38,558
3	California	75,028,400	4,005	18,734
4	Georgia	48,546,426	3,376	14,380
5	North Carolina	30,299,433	2,574	11,771
6	Louisiana	34,306,009	2,283	15,027
7	Alabama	36,617,416	2,175	16,836
8	New York	34,109,020	1,937	17,609
9	Pennsylvania	15,777,521	1,792	8,804
10	Illinois	24,068,318	1,626	14,802
	Top 10 States	$580,432,401	28,917	$20,072

Source: Insurance Information Institute, State Farm®.

Rank	State	Value of claims	Number of claims	Average cost per claim
1	Florida	$104,544,285	6,003	$17,416
2	Georgia	87,110,761	5,161	16,877
3	Texas	194,288,888	4,664	41,654
4	California	83,367,791	4,608	18,090
5	Alabama	54,981,756	3,508	15,673
6	Louisiana	35,167,375	3,050	11,529
7	North Carolina	35,544,243	2,881	12,337
8	New York	50,785,848	2,458	20,659
9	Pennsylvania	27,219,044	2,214	12,296
10	Tennessee	39,792,330	2,136	18,630
	Top 10 States	$712,802,320	36,684	19,431

Source: Insurance Information Institute, State Farm®.

Rank	State	Value of claims ($ millions)	Number of Claims	Average cost per claim
1	Florida	$88.30	5,339	$16,552
2	Texas	95.2	4,490	21,206
3	Georgia	43.8	3,817	11,492
4	California	522.6	3,381	154,574
5	New York	45.1	2,426	18,592
6	Pennsylvania	34.0	2,410	14,134
7	North Carolina	36.8	2,377	15,522
8	Louisiana	28.0	2,372	11,817
9	Alabama	29.3	2,276	12,906
10	Michigan	26.9	1,887	14,291
	Total, top 10	$950.4	$30,775	$30,885
	All other states	$362.5	$30,076	$12,055
	Total U.S.	$1,313.0	$60,851	$21,578

Source: Insurance Information Institute, State Farm®.

Rank	State	Number of claims	Average cost per claim	Value of claims ($ millions)
1	Florida	6,756	$21,953	$148.3
2	Georgia	4,686	9,821	46.0
3	Texas	4,675	16,847	78.8
4	California	4,233	217,555	920.9
5	North Carolina	2,898	13,283	38.5
6	New York	2,791	16,533	46.1
7	Louisiana	2,757	8,475	23.4
8	Alabama	2,741	11,334	31.1
9	Pennsylvania	2,378	14,724	35.0
10	Illinois	2,247	10,312	23.2
	Total, top 10	36,162	$38,473	$1,391.3
	Other states	35,389	19,087	675.5
	Total U.S.	71,551	$28,885	$2,066.7

Source: Insurance Information Institute.

Rank	State	Number of claims	Value of claims ($ millions)	Average cost per claim
1	Florida	6,821	$93.2	$13,669
2	Texas	5,780	88.3	15,278
3	California	5,100	71.9	14,105
4	Georgia	4,436	49.3	11,115
5	Louisiana	3,540	31.9	9,025
6	New York	2,866	39.5	13,792
7	North Carolina	2,849	31.8	11,165
8	Pennsylvania	2,838	27.3	9,612
9	Alabama	2,514	30.3	12,051
10	Illinois	2,438	24.6	10,078
	Total, top 10	39,182	$488.2	$12,460
	Other states	37,678	431.8	11,461
	Total U.S.	76,860	$920.1	$11,971

Source: Insurance Information Institute.

Rank	State	Number of claims	Value of claims ($ millions)	Average cost per claim
1	Florida	7,108	$74.2	$10,436
2	Georgia	5,539	52.2	9,430
3	California	4,909	137.1	27,932
4	Texas	4,559	67.6	14,819
5	Louisiana	3,553	22.7	6,377
6	North Carolina	3,119	36.1	11,561
7	Alabama	2,942	34.6	11,768
8	New York	2,938	31.9	10,873
9	Pennsylvania	2,590	30.0	11,572
10	Illinois	2,475	25.5	10,290
	Total, top 10	39,732	$511.8	$12,882
	Other states	38,166	397.1	10,405
	Total U.S.	77,898	$908.9	$11,668

Source: Insurance Information Institute.

Rank	State	Number of paid claims	Insured losses ($ millions)	Average cost per claim
1	Florida	10,385	$67.8	$6,526
2	Texas	9,098	87.2	9,580
3	Georgia	8,037	66.3	8,250
4	Louisiana	5,956	31.5	5,291
5	North Carolina	5,889	42.2	7,162
6	California	4,764	47.4	9,951
7	Alabama	4,294	28.4	6,604
8	Illinois	3,870	28.7	7,424
9	Arkansas	3,422	20.1	5,882
10	Virginia	3,331	26.8	8,036
	Total, top 10	59,046	$446.3	$7,559

Source: Insurance Information Institute, State Farm®.

Rank	State	Number of paid claims	Insured losses ($ millions)	Average cost per claim
1	Florida	11,898	$156.2	$13,131
2	Georgia	10,442	61.0	5,844
3	Texas	8,844	84.9	9,595
4	Louisiana	5,333	24.4	4,578
5	Alabama	4,508	28.3	6,280
6	North Carolina	4,226	28.8	6,810
7	Pennsylvania	3,686	13.2	3,579
8	Tennessee	3,397	24.5	7,212
9	Virginia	3,174	21.0	6,607
10	South Carolina	3,163	13.7	4,318
	Total, top 10	58,671	$455.9	$7,771

Source: Insurance Information Institute, State Farm®.

Rank	State	Number of paid claims	Insured losses ($ millions)	Average cost per claim
1	Florida	10,440	$73.9	$7,075
2	Georgia	9,805	62.2	6,341
3	Texas	5,622	60.0	10,671
4	Louisiana	5,007	25.1	5,009
5	North Carolina	4,886	28.8	5,891
6	Alabama	4,853	39.2	8,079
7	Illinois	4,049	25.7	6,348
8	Pennsylvania	3,960	21.7	5,491
9	Tennessee	3,638	31.2	8,583
10	Indiana	3,262	22.3	6,832

Source: Insurance Information Institute, State Farm®.

Rank	State	Number of paid claims	Insured losses ($ millions)	Average cost per claim
1	Georgia	11,184	$56.0	$5,007
2	Texas	6,419	54.2	8,436
3	North Carolina	5,711	34.1	5,965
4	Louisiana	5,547	21.6	3,902
5	Alabama	5,199	34.8	6,702
6	Pennsylvania	4,483	22.4	4,987
7	Tennessee	4,317	23.2	5,381
8	South Carolina	4,011	23.1	5,755
9	Ohio	3,942	17.1	4,344
10	Illinois	3,849	25.6	6,646

Source: Insurance Information Institute, State Farm®.