{"id":24627,"date":"2025-06-27T09:27:07","date_gmt":"2025-06-27T14:27:07","guid":{"rendered":"https:\/\/www.bbrown.com\/?post_type=insight&p=24627"},"modified":"2025-06-27T09:27:07","modified_gmt":"2025-06-27T14:27:07","slug":"severe-convective-storms-safety-checklist-for-homeowners","status":"publish","type":"insight","link":"https:\/\/www.bbrown.com\/us\/insight\/severe-convective-storms-safety-checklist-for-homeowners\/","title":{"rendered":"Severe Convective Storms | Safety Checklist for Homeowners"},"content":{"rendered":"

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Personal Insurance<\/p>\n

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\n Severe Convective Storms | Safety Checklist for Homeowners\n <\/h1>\n\t\n <\/div>[vc_column_text css=””]<\/p>\n

Overview<\/h3>\n

Severe convective storms (SCS) are among the costliest and most rapidly advancing weather hazards for homeowners. Over the past two years, the U.S. personal insurance market has faced significant challenges due to the increasing frequency and severity of devastating storms, including hurricanes, derechos and severe convective events. In 2024, severe convective storms alone caused insured losses of approximately $39 billion in the first half of the year, with four major events contributing nearly $15 billion.<\/p>\n

These storms are most common in \u201ctornado alley,\u201d which includes the states of Texas, Oklahoma, Kansas and Nebraska. For instance, a single hail event in Oklahoma City in September 2024 damaged 35,000 homes, making it the most impactful single hail event of the year. From growing populations in flood-prone areas to the impacts of climate change, there is a heightened risk of these storms directly impacting homeowners, especially if they are unprepared.<\/p>\n

Severe Convective Storm Impacts<\/h3>\n

The economic impact of these storms has been profound. In Texas, nearly half (47%) of homeowners\u2019 insurance claims were closed without payment in 2024, a sharp increase from 35% in 2016. This trend is driven by insurers tightening coverage, raising deductibles and increasingly denying or minimizing claims, shifting more financial burden to homeowners. Higher deductibles are attributed as a central reason many claims go unpaid.<\/p>\n

Best Practices<\/h3>\n

While SCS are not preventable, there are many ways for homeowners to prepare themselves for potential storms.<\/p>\n