How much hail hits the U.S. each year?
The U.S. recorded 5,432 major hail events in 2025, and Texas alone logged 902 of them. Six of the top ten hail states sit in the central corridor.
5,432 The U.S. recorded 5,432 hail events of one inch or larger in 2025. (NOAA Storm Prediction Center, via III, 2025. Source)
902 Texas logged 902 major hail events in 2025, nearly triple second place Kansas. (NOAA Storm Prediction Center, via III, 2025. Source)
6 of 10 Six of the top ten hail states sit in the central corridor: Texas, Kansas, Oklahoma, Nebraska, Missouri, and Colorado. (NOAA Storm Prediction Center, via III, 2025. Source)
What do insurers pay for hail damage?
State Farm alone paid over $3.5 billion in hail claims in 2022, up more than $1 billion in a year. Industry wide, wind and hail claims average $13,511 and make up 40.7% of all filings.
$3.5B State Farm paid over $3.5 billion in hail claims in 2022. (State Farm analysis, via III, 2022. Source)
MN first Minnesota led State Farm hail payouts, followed by Texas, Arkansas, Illinois, and Nebraska. (State Farm analysis, via III, 2022. Source)
$13,511 Wind and hail claims average $13,511 per claim. (ISO, via Insurance Information Institute, 2018-2022 avg. Source)
1 in 35 About 1 in 35 insured homes files a wind or hail property claim each year. (III calculation from ISO data, 2018-2022 basis. Source)
Are hail claims rising or falling?
Hail costs fell 38.4% in 2025 from the 2023 peak on sharply lower frequency, while severity held flat. Fewer storms, same cost per roof.
-38.4% Hail claim costs fell 38.4% in 2025 from the 2023 seven year high. (LexisNexis Risk Solutions, 2026 Home Trends, 2025 vs 2023. Source)
What can a Texas adjuster charge on a hail claim?
Texas caps commissions at 10% of the settlement, so a $13,511 average claim bounds fee math near $1,351 before expenses and contract terms. Hail heavy states without caps deserve harder questions before signing.
10% Texas caps public adjuster commissions at 10% of the settlement, which bounds hail fee math directly. (Tex. Ins. Code 4102.104, via AdjusterAlly Texas page, current. Source)
Texas fee rules with verbatim statute text → All property claim statistics →
Do older roofs change hail claim outcomes?
Carriers increasingly schedule roof coverage by age, but no national series tracks denial rates by roof age, so this page does not quote one.
TODO: no primary roof age series found. Search: III hail deductible and ACV schedule surveys, Texas DOI hail claim complaint dispositions, insurer 10-K roof schedule disclosures.
Methodology
Event counts are NOAA Storm Prediction Center administrative data via III. Payout totals are State Farm company analysis via III. Cause mix and severity are ISO administrative data via III. Trend figures are the LexisNexis industry study. Nothing here comes from another stats roundup. Last updated September 13, 2026. Next scheduled review January 2027.