For the first time, the storms that arrive without names or evacuation orders — tornadoes, hail, and damaging winds — have surpassed hurricanes as the world's costliest insured natural disasters. Over twenty-five years, severe convective storms have quietly accumulated $794 billion in global losses, with 2025 marking a threshold year at $82 billion. The United States, where valuable real estate sits densely within storm-prone corridors, bears the heaviest share of this burden. What is changing is not only the weather, but the economics of calling a place home.
CBS News
· Jul 28, 2026
· economy
· 3 min de leitura
High
Apuração: Verificado
Severe convective storms now costlier than hurricanes for homeowners
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Climate & Environment
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Viés e Enquadramento
⚖
Article presents climate-linked severe convective storms as costlier than hurricanes with factual reporting, though framing emphasizes climate change causation and economic impact on homeowners.
Bias Direction
center-left
Confidence
MED
Problem-solution framing that emphasizes climate change as primary driver of increasing storm costs and insurance risks, with focus on economic vulnerability of homeowners and insurance industry concerns.
now pose a bigger threat
become top of mind
eye of the storm
balloon
changing climate
particularly prevalent
Perspectives from climate skeptics or those questioning climate change attribution
Insurance industry viewpoints on risk management strategies beyond premium increases
Counterarguments about property value concentration as primary driver vs. climate change
Regional economic impacts or adaptation strategies being implemented
Historical context comparing current storm frequency/intensity to pre-climate-change periods
Impacto Geopolítico
🌎
Severe convective storms now exceed hurricanes as costliest insured disasters globally ($794B/25yrs), with U.S. bearing 83% of 2025 losses, signaling climate-driven economic vulnerability concentration.
Escalation Risk
moderate
Confidence
HIGH
United States
Midwest
Northern Texas
Global insurance markets
Shift in economic vulnerability from traditional hurricane-prone regions to inland U.S. areas; insurance industry gaining geopolitical leverage as climate risk arbiter; U.S. property concentration creates asymmetric exposure compared to other developed nations.
Similar to post-WWII insurance market consolidation that reshaped regional economic resilience; parallels 1970s-80s when shifting disaster patterns forced policy realignment.
Lente Econômica
📈
Severe convective storms now cost more in insured losses than hurricanes globally ($794B over 25 years), driven by climate change and concentrated U.S. property values, threatening homeowner insurance affordability.
Market Signal
bearish
Confidence
HIGH
Insurance and reinsurance
Real estate and property
Construction and home repair
Residential mortgage lending
Commercial property management
Weather risk modeling and analytics
Homeowners face rising insurance premiums, particularly in high-risk regions (Midwest, northern Texas). Mortgage holders with mandatory insurance coverage will see increased housing costs. Uninsured losses disproportionately affect lower-income households. Property values in storm-prone areas may decline.
Potential regulatory responses include: insurance market reforms to prevent insurer exits from high-risk states; climate adaptation funding requirements; building code updates; federal disaster relief expansion; climate risk disclosure mandates for lenders; potential government backstop programs for uninsurable properties.