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Top 10 States For Homeowners Insurance Lightning Losses By Number Of Claims, 2024

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®.

Top 10 States For Homeowners Insurance Lightning Losses By Number Of Claims, 2023

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®.

Top 10 States For Homeowners Insurance Lightning Losses By Number Of Claims, 2021

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®.

Top 10 States For Homeowners Insurance Lightning Losses By Number Of Claims, 2020

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.

Top 10 States For Homeowners Insurance Lightning Losses By Number Of Claims, 2019

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.

Top 10 States For Homeowners Insurance Lightning Losses By Number Of Claims, 2018

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.

Top 10 States For Homeowners Insurance Lightning Losses By Number Of Claims, 2016

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®.

Top 10 States For Homeowners Insurance Lightning Losses By Number Of Claims, 2015

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®.

TOP 10 STATES FOR HOMEOWNERS INSURANCE LIGHTNING LOSSES BY NUMBER OF CLAIMS, 2014

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®.

TOP TEN STATES FOR HOMEOWNERS INSURANCE LIGHTNING LOSSES BY NUMBER OF CLAIMS, 2013

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®.