Risks from hail damage surge, putting 43.5M homes in peril
USA TODAY
More than 43.5 million U.S. properties are at moderate or greater risk from damaging hail, according to a new report from Cotality, a real estate data provider.
While wildfires and hurricanes grab headlines, another type of severe weather may present unappreciated risks for homeowners and insurers.
More than 43.5 million U.S. properties are at moderate or greater risk from damaging hail, according to a new report from Cotality, a real estate data provider. Hailstorms can now cause financial losses comparable to a Category 4 hurricane, the report concludes, and damage that may cost up to $17.84 trillion to reconstruct.
In 2025, Cotality notes, the U.S. recorded 142 days with damaging hail − seven more than in 2024 and well above the 20-year average of 122 days. During those events, more than 600,000 homes were hit with hailstones two inches or larger.
Beyond changing weather patterns, homes are more at risk because housing stock is aging, the report says. Older roofs are more brittle and likely to fail when hail strikes a home than those that are newer.
Rising risk also comes from the choices Americans make about where to live.
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