It’s Time to Prepare
Disasters are occurring with more force every month—submit your policies and discuss our analysis with your agent or advisor.
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January 2025
Winter Storms & Deep Freeze
jan 3–6, Jan 9–11, Jan 20–22
Major winter storms brought heavy snow and ice across the Plains, Midwest, and East Coast, impacting ~60 million people.
Travel was disrupted, schools closed, power outages widespread, and at least 4 deaths reported in the first event; another cold snap caused deaths in Houston and record snowfall in Louisiana and Florida.
Atlanta recorded its largest snowstorm in years; Grand Coteau, LA and Milton, FL broke single-day snowfall records.
Los Angeles Wildfires, California
JAN 7-31
Series of wildfires swept LA County; Palisades and Eaton Fires most destructive.
Life: 30–31 killed, up to 180,000 evacuated.
Homes: Over 16,200 structures destroyed, including 55.8% of Palisades single-family homes and 94.5% of mobile homes (5,058 houses, 361 mobile homes), 50.6% Eaton single-family homes (6,003 houses).
Businesses: 1,863 in fire zones, 43.9% Palisades/36.3% Eaton commercial buildings lost, 9,600 jobs impacted.
Economic Impact: $28–$53.8 billion property damage, $4.6–$8.9 billion business losses over 5 years, $32.5 billion insured losses.
February 2025
Storm Complex
feb 15-16
Storm system triggered flash floods and tornadoes affecting Kentucky, West Virginia, Tennessee, and Virginia.
Life: 18+ deaths (including 9 in Kentucky), hundreds of rescues, at least one child killed.
Homes & Businesses: Historic flooding, hundreds of rescues, more than 300 roads closed statewide; widespread damage described as “massive”.
march 2025
Tornado Outbreak
mar 13-16
Over 100 tornadoes struck the Midwest.
Life: EF4 in Missouri killed 5; EF3 in Selmer, TN killed 5 and injured 14.
Impact: 108 structures destroyed in Selmer.
Oklahoma Wildfires
mar 13-15
130+ wildfires burned 200,000 acres in Oklahoma, killing 4, damaging at least 400 homes and hundreds of structures, including 74 in Stillwater.
Rain/Flooding
South Texas, Mar 26–28
Heavy rain caused severe flooding in South Texas and northern Mexico; four deaths and hundreds of rescues reported.
Ice Storm
Great Lakes & New England, Mar 29–30
Freezing rain impacted Central Ontario and northeastern U.S., states of emergency declared, six killed, widespread power outages from falling trees/poles.
april 2025
Central U.S. Flooding & Tornadoes
apr 2-6
Rare “atmospheric river” event combined with severe storms in 7 states (AR, MO, MS, TN, KY, IL, IN).
Impact: $80–$90 billion economic damage.
Mayfield, KY received 13.4 inches of rain—major flooding.
may 2025
Minnesota Wildfires
Three major wildfires destroyed 30,000 acres, more than 150 structures.
Tornado Outbreak
may 15-16
60 tornadoes swept Midwest and Southeast; costliest severe weather of 2025.
Life: 27 dead (incl. 19 in Somerset/London, KY; 4 in St. Louis, MO; 2 in Scott Co., MO).
Homes/Businesses: St. Louis EF3 damaged/destroyed 5,000+ structures.
Kentucky EF4 leveled Sunshine Hills, destroyed hangars/aircraft
Economic Impact: Nearly $16 billion in damage, 63,000 properties affected; St. Louis alone $1.6 billion.
june 2025
Texas Flash Floods
san antonio, jun 11-12
Nine inches of rain in 24 hours led to 13 deaths, trapped drivers, and 70 rescues.
West Virginia Flash Floods
jun 13
Intense rainfall killed five, four missing; apartment partially collapsed, 2,500 lost power.
july 2025
Central Texas Floods
july 4th weekend
Catastrophic flash floods along Guadalupe River.
Life: 135 killed (117 in Kerr County), many at summer camps.
Homes/Businesses: $1.1 billion in residential damage, 38,600+ homes affected; Kerrville commercial districts devastated; uninsured losses widespread.
Economic Impact: $18–$22 billion lost; $40+ million camping industry disrupted.
Grand Canyon Wildfire
north rim, july-august
145,000 acres burned, 70–100 structures including historic lodge destroyed.
ongoing (jan-aug 2025)
Wildfire Season Nationwide
As of late August, 44,470 wildfires burned nearly 4 million acres nationwide.
Record-breaking heat and California’s coldest summer since 1965; flash flood alerts at record-highs.
Ongoing & Future Threats
Atlantic Hurricane Season
june-nov
2025 Season Forecast: 13–19 named storms, above-average risk.
Millions of homes at risk in Florida, Texas, North Carolina, and the Northeast due to warm oceans and climate trends.
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