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This article is part of a sponsored series by Cotality.

Severe convective storms, which include hail, tornadoes, and straight-line winds, have evolved from secondary concerns to primary drivers of annual insured property losses. Today, a single extreme hailstorm can generate catastrophic insured losses on par with a major Category 4 landfalling hurricane.

The identified over 43.5 million properties in the United States with moderate or greater risk of hail damage. This exposes a staggering $17.8 trillion in reconstruction cost value. While Texas understandably leads the nation in overall exposure, Cotality data reveals the “Chicago Anomaly,” where densely packed, high-value real estate of the greater Chicago area makes it the most financially exposed metro area in the country, with $1.0 trillion in reconstruction cost value at risk.

The paradigm shift in extreme weather risk is clear. Even at a more frequent 50-year return period, a single hail event can generate nearly $30 billion in insured losses. To understand the reality of this risk, consider the massive June 2023 Texas storm cluster, which caused $7 to $10 billion in insured losses. Had that storm shifted just 15 to 20 miles north into the heart of Fort Worth, total claims would have skyrocketed to an estimated $30 billion.

Building a unified defense

Resilience is no longer merely about individual preparation, as true resilience requires a multi-stage defense. By integrating data-driven insights at every stage, the industry can efficiently manage catastrophic events and ensure that communities recover quickly.

Read today, and you will discover:

• How underwriters can utilize forward-looking structure-level data to accurately price risk
• Why catastrophe risk modelers must identify high-risk concentrations to ensure the risk-transfer ecosystem remains solvent
• Ways claims representatives can leverage weather verification data to anticipate resource needs before claims are filed
• How empowering policyholders to adopt tangible mitigation measures, like class-4 impact-resistant shingles, can drastically reduce property vulnerability

Equip your teams with the data-driven insights needed to safeguard your balance sheet and accelerate community recovery efforts in the face of this growing peril.

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Topics Windstorm