NOAA STORM DATABASE
Texas Severe Weather & Home Insurance Context
Recent official NOAA Storm Events records summarized for insurance-cost research.
NOAA events30,940
Recorded property damage$6,008,431,770
Modeled insurance benchmark$3,506
Most common recorded event types
Hail (7,355), Drought (5,184), Thunderstorm Wind (5,162), Heat (3,089), Flash Flood (2,019), High Wind (1,968), Excessive Heat (1,524), Winter Storm (669)
Storm-event counts and FEMA risk scores are not insurance claims and should not be interpreted as a direct carrier pricing formula.
See Texas cost benchmark