GITNUXREPORT 2026

Homeowners Insurance Claims Statistics

Catastrophic wind and hail events drive billions in increasingly severe homeowners insurance losses.

Rajesh Patel

Team Lead & Senior Researcher with over 15 years of experience in market research and data analytics.

First published: Feb 13, 2026

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Statistic 1

Average cost per homeowners claim was $13,800 in 2022, up 17% from 2018.

Statistic 2

National average annual premium rose to $1,544 in 2023 due to claim costs, up 15% YoY.

Statistic 3

Catastrophe claims drove 55% of total losses in 2022, averaging $50,200 severity.

Statistic 4

Denied claims rate was 8.2% in 2021 for HO policies, often wear/tear exclusions.

Statistic 5

Average fire claim payout $62,300 in 2023, highest peril category.

Statistic 6

Water damage average severity $12,400 in 2022, second highest volume.

Statistic 7

Theft claim average $5,400, down due to better security, 2023 data.

Statistic 8

Liability average claim $42,100 in 2022, driven by litigation costs.

Statistic 9

Wind/hail average $21,500 in 2023 catastrophe season.

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Total HO claims payouts reached $67 billion in 2022.

Statistic 11

Premiums per $1,000 coverage averaged $0.98 nationally in 2023.

Statistic 12

Closing costs from claims averaged $2,500 additional per policyholder.

Statistic 13

Reinsurance costs added 12% to claim expenses in 2023.

Statistic 14

Fraudulent claims detected cost industry $40 billion yearly, 10% of payouts.

Statistic 15

Average deductibles rose to $1,500 in 2023 for HO policies.

Statistic 16

Inflation adjusted claim costs up 25% since 2019.

Statistic 17

Fire claims averaged 368,000 annually from 2018-2022, with $23 billion in average yearly losses and $62,000 severity.

Statistic 18

Cooking equipment caused 49% of home fires leading to claims in 2021, resulting in 172,000 claims averaging $45,000.

Statistic 19

Unattended candles led to 8,000 fire claims in 2022, average payout $78,900, often with total loss.

Statistic 20

Electrical malfunctions accounted for 12% of fire claims, 44,000 in 2023, averaging $55,200 per claim.

Statistic 21

Smoking materials caused 17,000 fire claims annually, average $92,000, with high liability add-ons.

Statistic 22

Heating equipment fires generated 56,000 claims in 2021-2022 winter season, $8.9 billion total losses.

Statistic 23

Theft claims totaled 1.2 million from 2019-2023, averaging $5,100 per claim, down 5% due to smart home tech.

Statistic 24

Burglary claims in urban areas averaged 345,000 yearly, $4,800 average, with jewelry most stolen item.

Statistic 25

Arson claims numbered 18,000 annually, average payout $112,000, often involving investigations delaying payments.

Statistic 26

Dryer fires caused 15,600 claims in 2022, averaging $11,500, preventable with lint trap cleaning.

Statistic 27

Vandalism claims post-theft totaled 89,000 in 2023, average $3,200, common in vacant homes.

Statistic 28

Home invasion theft claims rose 12% in 2022 to 23,000, average $12,400 including trauma counseling add-ons.

Statistic 29

Chimney fire claims averaged 4,500 yearly, $25,000 average due to flue repairs and soot damage.

Statistic 30

Garage fire claims from vehicles totaled 9,800 in 2021, spreading to home in 28% cases, average $68,000.

Statistic 31

Theft of outdoor property (bikes, grills) led to 456,000 claims in 2022, average $1,200 per claim.

Statistic 32

Lightning-induced fires caused 2,300 claims annually, average $45,600, covered under fire peril.

Statistic 33

Identity theft add-on claims for homeowners reached 7,200 in 2023, average $8,900 reimbursement.

Statistic 34

Wildfire fire claims in Western states totaled 45,000 from 2020-2023, average $250,000 per claim.

Statistic 35

Liability claims for dog bites averaged 18,000 annually, payouts $45,000 average, 30% increase since 2018.

Statistic 36

Slip-and-fall claims on icy walkways totaled 112,000 in 2022 winter, average $25,600 per claim.

Statistic 37

Pool-related drowning liability claims averaged 4,200 yearly, $78,000 average including legal fees.

Statistic 38

Trampoline injury claims reached 3,500 in 2023, average $32,000, often disputed for negligence.

Statistic 39

Guest injury from faulty stairs led to 23,000 claims annually, $28,900 average payout.

Statistic 40

BBQ grill explosion liability claims totaled 1,800 in 2022, average $41,200 for burns and property damage.

Statistic 41

Tree limb falling on neighbor's property caused 8,900 liability claims, average $15,400.

Statistic 42

Hot tub electrical shock claims averaged 900 yearly, $55,000 payouts including medical.

Statistic 43

Children's play equipment injury claims totaled 6,700, average $27,500, swingsets most common.

Statistic 44

Driveway accidents (backing over) led to 12,000 child injury claims, $38,000 average.

Statistic 45

Fire pit burns to visitors caused 2,400 claims in 2023, average $34,100.

Statistic 46

Defective deck collapse claims averaged 1,200 yearly, $67,000 including multiple injuries.

Statistic 47

Sports equipment injury to neighbors totaled 4,500 claims, average $19,800 (pucks, balls).

Statistic 48

Pet liability beyond dogs: cats scratches 2,100 claims, $12,000 average.

Statistic 49

Rental property guest injury claims for HO-3 policies averaged 9,800, $29,400.

Statistic 50

Overall liability claims comprised 12% of total HO claims in 2022, $7.8 billion losses.

Statistic 51

Southeast average claim cost $16,200 vs national $13,800 in 2022.

Statistic 52

Florida average HO claim $22,400 in 2023, highest state due to hurricanes.

Statistic 53

California wildfire claims average $289,000, 21x national average.

Statistic 54

Texas hail claims average $14,100, 2nd highest volume state.

Statistic 55

Northeast water damage claims average $13,900, high due to freezing.

Statistic 56

Midwest tornado claims average $48,700 per event-affected home.

Statistic 57

New York liability claims average $38,200, urban density factor.

Statistic 58

Louisiana flood-paired HO claims average $28,500 post-hurricanes.

Statistic 59

Colorado hail severity $18,400 average, top per claim state.

Statistic 60

Pacific Northwest wildfire claims up 40% to average $145,000.

Statistic 61

Claims frequency 5.2% in Florida vs 2.8% national average 2022.

Statistic 62

Oklahoma wind claims average $26,100, tornado alley effect.

Statistic 63

Hawaii volcanic claims rare but average $210,000 when occur.

Statistic 64

Urban vs rural claim costs: $15,200 vs $11,400 average.

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Southwest drought fire claims average $95,600 per home.

Statistic 66

Great Lakes region ice dam claims average $16,800.

Statistic 67

HO claims frequency increased 21% from 2018-2023 nationally.

Statistic 68

Cat claims share of losses rose from 42% to 58% 2018-2022.

Statistic 69

Water claims up 40% since 2014 due to aging homes.

Statistic 70

Cyber-related HO claims (smart home hacks) up 300% to 5,000 in 2023.

Statistic 71

EV charging fires claims projected to rise 50% by 2025.

Statistic 72

Solar panel installation claims up 25%, average $22,000.

Statistic 73

Climate change projected to double coastal claims by 2030.

Statistic 74

Fraud detection improved, reducing padded claims by 15%.

Statistic 75

Telecommuting home office claims up 35% post-COVID.

Statistic 76

Smart sensor reductions in claims 12% for early water detection.

Statistic 77

Premium hikes projected 20% in high-risk states by 2025.

Statistic 78

Non-renewals up 50% in wildfire zones 2019-2023.

Statistic 79

Generational: Millennials file 28% more claims than Boomers.

Statistic 80

Pandemic claim dip 2020: -18%, rebound +25% 2021.

Statistic 81

AI claims processing reduced costs 22% by 2023.

Statistic 82

Water damage claims from burst pipes due to freezing totaled 237,000 in 2021, up 26% from 2020, averaging $11,400.

Statistic 83

Appliance failure claims (water heaters, washers) accounted for 23% of water claims in 2022, averaging $10,800 per claim.

Statistic 84

From 2019-2023, plumbing leaks caused 45% of water damage claims, with total industry losses of $13.5 billion annually.

Statistic 85

Mold remediation claims following water leaks averaged $30,000 per claim in 2022, comprising 12% of water claims.

Statistic 86

Toilet overflow claims rose 18% in 2023 to 89,000 claims, average cost $5,200, often leading to secondary mold claims.

Statistic 87

Roof leaks from poor maintenance caused 156,000 claims in 2022, averaging $9,700, representing 19% of all water claims.

Statistic 88

Sump pump failure claims during heavy rains totaled 67,000 in 2021, with average payouts of $7,800 per claim.

Statistic 89

HVAC system leaks accounted for 8% of water claims in 2023, averaging $12,100, with 45,000 incidents reported.

Statistic 90

Bathtub/shower overflows led to 112,000 claims from 2020-2023, average $4,900, often preventable with overflow drains.

Statistic 91

Sewer backup claims increased 30% post-2020 to 78,000 annually, averaging $14,500 due to aging infrastructure.

Statistic 92

Washing machine supply hose failures caused 34% of appliance water claims in 2022, 56,000 claims at $6,200 average.

Statistic 93

Ice dam water damage claims in Northeast peaked at 23,000 in 2023 winter, average $15,300 per claim.

Statistic 94

Water damage from tree roots invading pipes averaged 12,000 claims yearly, $18,000 average cost including excavation.

Statistic 95

Dishwasher leaks accounted for 11% of kitchen water claims, 41,000 in 2022, average $5,600 per incident.

Statistic 96

Water damage claims overall comprised 23% of all homeowners claims in 2022, totaling $19 billion in losses.

Statistic 97

In 2022, homeowners insurance claims for wind and hail damage totaled 1,047,626 claims with incurred losses of $21.2 billion, representing 37% of all catastrophe losses.

Statistic 98

The average claim severity for wind and hail in 2022 was $20,238 per claim, up 12% from the previous year due to increased storm intensity.

Statistic 99

From 2018-2022, hail claims accounted for 45% of weather-related homeowners claims in Texas, with average payouts of $12,500 per claim.

Statistic 100

In 2021, Florida saw 142,000 windstorm claims, costing insurers $4.5 billion, averaging $31,690 per claim.

Statistic 101

Nationwide, 2023 hail claims rose 15% year-over-year to 791,000 claims with $15.8 billion in losses.

Statistic 102

California wildfires led to 28,000 homeowners claims in 2020, with total payouts exceeding $10 billion and average claim of $357,000.

Statistic 103

Midwest states reported 312,000 hail claims in 2022, averaging $11,200 per claim, driven by severe thunderstorms.

Statistic 104

Hurricane Ian in 2022 generated 205,000 Florida homeowners claims for wind damage, totaling $15.7 billion in losses.

Statistic 105

From 2017-2021, tornado-related claims averaged 75,000 annually with $8.2 billion in average yearly losses.

Statistic 106

In 2023, winter storm claims for ice dams and roof collapses reached 45,000 claims nationwide, averaging $18,900 per claim.

Statistic 107

Southeast U.S. saw 112,000 hurricane-related claims in 2020-2023 period, with average severity of $45,600.

Statistic 108

Hail damage claims in Colorado increased 22% in 2021 to 67,000 claims, costing $2.1 billion.

Statistic 109

2022 Derecho storm in Midwest caused 34,000 wind claims with $1.8 billion losses, average $52,900 per claim.

Statistic 110

Flood claims (non-covered by standard HO policies) via NFIP totaled 142,000 in 2022, but paired HO claims added $3.2 billion.

Statistic 111

Lightning claims averaged 12,500 annually from 2018-2022, with $450 million yearly losses and average payout $36,000.

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Imagine navigating the costs of a record-breaking hurricane season only to be blindsided by the quiet, creeping damage from a leaking dishwasher or an ice dam in your attic, as the startling reality is that water damage now accounts for nearly a quarter of all homeowners insurance claims, a silent crisis running parallel to the dramatic, billion-dollar headlines of wind, hail, and fire.

Key Takeaways

In 2022, homeowners insurance claims for wind and hail damage totaled 1,047,626 claims with incurred losses of $21.2 billion, representing 37% of all catastrophe losses.
The average claim severity for wind and hail in 2022 was $20,238 per claim, up 12% from the previous year due to increased storm intensity.
From 2018-2022, hail claims accounted for 45% of weather-related homeowners claims in Texas, with average payouts of $12,500 per claim.
Water damage claims from burst pipes due to freezing totaled 237,000 in 2021, up 26% from 2020, averaging $11,400.
Appliance failure claims (water heaters, washers) accounted for 23% of water claims in 2022, averaging $10,800 per claim.
From 2019-2023, plumbing leaks caused 45% of water damage claims, with total industry losses of $13.5 billion annually.
Fire claims averaged 368,000 annually from 2018-2022, with $23 billion in average yearly losses and $62,000 severity.
Cooking equipment caused 49% of home fires leading to claims in 2021, resulting in 172,000 claims averaging $45,000.
Unattended candles led to 8,000 fire claims in 2022, average payout $78,900, often with total loss.
Liability claims for dog bites averaged 18,000 annually, payouts $45,000 average, 30% increase since 2018.
Slip-and-fall claims on icy walkways totaled 112,000 in 2022 winter, average $25,600 per claim.
Pool-related drowning liability claims averaged 4,200 yearly, $78,000 average including legal fees.
Average cost per homeowners claim was $13,800 in 2022, up 17% from 2018.
National average annual premium rose to $1,544 in 2023 due to claim costs, up 15% YoY.
Catastrophe claims drove 55% of total losses in 2022, averaging $50,200 severity.

Catastrophic wind and hail events drive billions in increasingly severe homeowners insurance losses.

Cost Statistics

Average cost per homeowners claim was $13,800 in 2022, up 17% from 2018.
National average annual premium rose to $1,544 in 2023 due to claim costs, up 15% YoY.
Catastrophe claims drove 55% of total losses in 2022, averaging $50,200 severity.
Denied claims rate was 8.2% in 2021 for HO policies, often wear/tear exclusions.
Average fire claim payout $62,300 in 2023, highest peril category.
Water damage average severity $12,400 in 2022, second highest volume.
Theft claim average $5,400, down due to better security, 2023 data.
Liability average claim $42,100 in 2022, driven by litigation costs.
Wind/hail average $21,500 in 2023 catastrophe season.
Total HO claims payouts reached $67 billion in 2022.
Premiums per $1,000 coverage averaged $0.98 nationally in 2023.
Closing costs from claims averaged $2,500 additional per policyholder.
Reinsurance costs added 12% to claim expenses in 2023.
Fraudulent claims detected cost industry $40 billion yearly, 10% of payouts.
Average deductibles rose to $1,500 in 2023 for HO policies.
Inflation adjusted claim costs up 25% since 2019.

Cost Statistics Interpretation

Welcome to the new American Dream, where your homeowner's policy is just a wildly expensive coupon that you pray covers only the most cinematic of disasters, while the more mundane perils of existence—like a leaky pipe or a clever thief—simply laugh as they quietly drain your savings and patience in equal measure.

Fire and Theft Claims

Fire claims averaged 368,000 annually from 2018-2022, with $23 billion in average yearly losses and $62,000 severity.
Cooking equipment caused 49% of home fires leading to claims in 2021, resulting in 172,000 claims averaging $45,000.
Unattended candles led to 8,000 fire claims in 2022, average payout $78,900, often with total loss.
Electrical malfunctions accounted for 12% of fire claims, 44,000 in 2023, averaging $55,200 per claim.
Smoking materials caused 17,000 fire claims annually, average $92,000, with high liability add-ons.
Heating equipment fires generated 56,000 claims in 2021-2022 winter season, $8.9 billion total losses.
Theft claims totaled 1.2 million from 2019-2023, averaging $5,100 per claim, down 5% due to smart home tech.
Burglary claims in urban areas averaged 345,000 yearly, $4,800 average, with jewelry most stolen item.
Arson claims numbered 18,000 annually, average payout $112,000, often involving investigations delaying payments.
Dryer fires caused 15,600 claims in 2022, averaging $11,500, preventable with lint trap cleaning.
Vandalism claims post-theft totaled 89,000 in 2023, average $3,200, common in vacant homes.
Home invasion theft claims rose 12% in 2022 to 23,000, average $12,400 including trauma counseling add-ons.
Chimney fire claims averaged 4,500 yearly, $25,000 average due to flue repairs and soot damage.
Garage fire claims from vehicles totaled 9,800 in 2021, spreading to home in 28% cases, average $68,000.
Theft of outdoor property (bikes, grills) led to 456,000 claims in 2022, average $1,200 per claim.
Lightning-induced fires caused 2,300 claims annually, average $45,600, covered under fire peril.
Identity theft add-on claims for homeowners reached 7,200 in 2023, average $8,900 reimbursement.
Wildfire fire claims in Western states totaled 45,000 from 2020-2023, average $250,000 per claim.

Fire and Theft Claims Interpretation

Your kitchen's ambition to become a barbecue, your dryer's dream of being a tumbleweeder, and your unattended candle's aspiration to be a tiny arsonist are statistically proven to be the primary architects of domestic financial ruin, far outstripping the threat of even the most determined burglar.

Liability Claims

Liability claims for dog bites averaged 18,000 annually, payouts $45,000 average, 30% increase since 2018.
Slip-and-fall claims on icy walkways totaled 112,000 in 2022 winter, average $25,600 per claim.
Pool-related drowning liability claims averaged 4,200 yearly, $78,000 average including legal fees.
Trampoline injury claims reached 3,500 in 2023, average $32,000, often disputed for negligence.
Guest injury from faulty stairs led to 23,000 claims annually, $28,900 average payout.
BBQ grill explosion liability claims totaled 1,800 in 2022, average $41,200 for burns and property damage.
Tree limb falling on neighbor's property caused 8,900 liability claims, average $15,400.
Hot tub electrical shock claims averaged 900 yearly, $55,000 payouts including medical.
Children's play equipment injury claims totaled 6,700, average $27,500, swingsets most common.
Driveway accidents (backing over) led to 12,000 child injury claims, $38,000 average.
Fire pit burns to visitors caused 2,400 claims in 2023, average $34,100.
Defective deck collapse claims averaged 1,200 yearly, $67,000 including multiple injuries.
Sports equipment injury to neighbors totaled 4,500 claims, average $19,800 (pucks, balls).
Pet liability beyond dogs: cats scratches 2,100 claims, $12,000 average.
Rental property guest injury claims for HO-3 policies averaged 9,800, $29,400.
Overall liability claims comprised 12% of total HO claims in 2022, $7.8 billion losses.

Liability Claims Interpretation

Your backyard is a playground of financial peril where man's best friend, a patch of ice, and a wobbly deck rail are all eagerly queued up to sue you.

Regional Variations

Southeast average claim cost $16,200 vs national $13,800 in 2022.
Florida average HO claim $22,400 in 2023, highest state due to hurricanes.
California wildfire claims average $289,000, 21x national average.
Texas hail claims average $14,100, 2nd highest volume state.
Northeast water damage claims average $13,900, high due to freezing.
Midwest tornado claims average $48,700 per event-affected home.
New York liability claims average $38,200, urban density factor.
Louisiana flood-paired HO claims average $28,500 post-hurricanes.
Colorado hail severity $18,400 average, top per claim state.
Pacific Northwest wildfire claims up 40% to average $145,000.
Claims frequency 5.2% in Florida vs 2.8% national average 2022.
Oklahoma wind claims average $26,100, tornado alley effect.
Hawaii volcanic claims rare but average $210,000 when occur.
Urban vs rural claim costs: $15,200 vs $11,400 average.
Southwest drought fire claims average $95,600 per home.
Great Lakes region ice dam claims average $16,800.

Regional Variations Interpretation

These sobering figures paint a clear and costly picture: from hurricanes battering Florida to wildfires scorching California, the real cost of homeownership is heavily dictated by the specific, and often extreme, weather lottery of your zip code.

Trends and Projections

HO claims frequency increased 21% from 2018-2023 nationally.
Cat claims share of losses rose from 42% to 58% 2018-2022.
Water claims up 40% since 2014 due to aging homes.
Cyber-related HO claims (smart home hacks) up 300% to 5,000 in 2023.
EV charging fires claims projected to rise 50% by 2025.
Solar panel installation claims up 25%, average $22,000.
Climate change projected to double coastal claims by 2030.
Fraud detection improved, reducing padded claims by 15%.
Telecommuting home office claims up 35% post-COVID.
Smart sensor reductions in claims 12% for early water detection.
Premium hikes projected 20% in high-risk states by 2025.
Non-renewals up 50% in wildfire zones 2019-2023.
Generational: Millennials file 28% more claims than Boomers.
Pandemic claim dip 2020: -18%, rebound +25% 2021.
AI claims processing reduced costs 22% by 2023.

Trends and Projections Interpretation

Your home's risk profile is no longer just about a leaky pipe and a stolen bike, but a complex wager against climate-driven catastrophes, tech-integration hiccups, and your own work-from-home habits, all of which are conspiring to make your policy both a smarter necessity and a pricier burden.

Water Damage Claims

Water damage claims from burst pipes due to freezing totaled 237,000 in 2021, up 26% from 2020, averaging $11,400.
Appliance failure claims (water heaters, washers) accounted for 23% of water claims in 2022, averaging $10,800 per claim.
From 2019-2023, plumbing leaks caused 45% of water damage claims, with total industry losses of $13.5 billion annually.
Mold remediation claims following water leaks averaged $30,000 per claim in 2022, comprising 12% of water claims.
Toilet overflow claims rose 18% in 2023 to 89,000 claims, average cost $5,200, often leading to secondary mold claims.
Roof leaks from poor maintenance caused 156,000 claims in 2022, averaging $9,700, representing 19% of all water claims.
Sump pump failure claims during heavy rains totaled 67,000 in 2021, with average payouts of $7,800 per claim.
HVAC system leaks accounted for 8% of water claims in 2023, averaging $12,100, with 45,000 incidents reported.
Bathtub/shower overflows led to 112,000 claims from 2020-2023, average $4,900, often preventable with overflow drains.
Sewer backup claims increased 30% post-2020 to 78,000 annually, averaging $14,500 due to aging infrastructure.
Washing machine supply hose failures caused 34% of appliance water claims in 2022, 56,000 claims at $6,200 average.
Ice dam water damage claims in Northeast peaked at 23,000 in 2023 winter, average $15,300 per claim.
Water damage from tree roots invading pipes averaged 12,000 claims yearly, $18,000 average cost including excavation.
Dishwasher leaks accounted for 11% of kitchen water claims, 41,000 in 2022, average $5,600 per incident.
Water damage claims overall comprised 23% of all homeowners claims in 2022, totaling $19 billion in losses.

Water Damage Claims Interpretation

The statistics reveal that water is methodically dismantling the American home, one frozen pipe, leaky appliance, and overlooked toilet gasket at a time.

Weather-Related Claims

In 2022, homeowners insurance claims for wind and hail damage totaled 1,047,626 claims with incurred losses of $21.2 billion, representing 37% of all catastrophe losses.
The average claim severity for wind and hail in 2022 was $20,238 per claim, up 12% from the previous year due to increased storm intensity.
From 2018-2022, hail claims accounted for 45% of weather-related homeowners claims in Texas, with average payouts of $12,500 per claim.
In 2021, Florida saw 142,000 windstorm claims, costing insurers $4.5 billion, averaging $31,690 per claim.
Nationwide, 2023 hail claims rose 15% year-over-year to 791,000 claims with $15.8 billion in losses.
California wildfires led to 28,000 homeowners claims in 2020, with total payouts exceeding $10 billion and average claim of $357,000.
Midwest states reported 312,000 hail claims in 2022, averaging $11,200 per claim, driven by severe thunderstorms.
Hurricane Ian in 2022 generated 205,000 Florida homeowners claims for wind damage, totaling $15.7 billion in losses.
From 2017-2021, tornado-related claims averaged 75,000 annually with $8.2 billion in average yearly losses.
In 2023, winter storm claims for ice dams and roof collapses reached 45,000 claims nationwide, averaging $18,900 per claim.
Southeast U.S. saw 112,000 hurricane-related claims in 2020-2023 period, with average severity of $45,600.
Hail damage claims in Colorado increased 22% in 2021 to 67,000 claims, costing $2.1 billion.
2022 Derecho storm in Midwest caused 34,000 wind claims with $1.8 billion losses, average $52,900 per claim.
Flood claims (non-covered by standard HO policies) via NFIP totaled 142,000 in 2022, but paired HO claims added $3.2 billion.
Lightning claims averaged 12,500 annually from 2018-2022, with $450 million yearly losses and average payout $36,000.

Weather-Related Claims Interpretation

While it may be raining money for contractors, the sky is increasingly falling for homeowners and insurers alike, as wind, hail, and fire rewrite the rules of risk with ever more expensive fury.