It's Not Just Hurricanes - How Hail, Thunderstorms, Tornados and Wildfires Are Driving Higher Insurance Costs
How to start saving money
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Why it is important to start saving
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How much money should I save?
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What percentege of my income should go to savings?
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Secondary Perils Are Now a Primary Concern for Insurers
As the 2025 Atlantic hurricane season officially begins—with NOAA forecasting an above-average year—it’s easy to focus on headline-grabbing hurricanes. But for insurers, it's the smaller, more frequent weather events that are now driving up losses and reshaping the risk landscape.
Known as secondary perils, events like hailstorms, wildfires, flash floods, and severe thunderstorms have historically flown under the radar. But climate change is altering their frequency, intensity, and financial impact. Last year alone, convective storms—including hail—cost insurers $58 billion, surpassing even major hurricanes in total losses.
The shift is profound: S&P Global reports that secondary perils now account for a greater share of insured catastrophe losses than the traditional “primary” threats like earthquakes and tropical cyclones.
Why does this matter?
- Risk models weren’t built for this – Insurers have long priced risk around infrequent catastrophes. Now, more frequent, localized events are overwhelming legacy models.
- Data is lacking – A 2022 study from Deloitte and Cambridge found industry-wide confusion around how to define, model, and communicate secondary peril risk.
- Consumer impact is growing – Expect rising premiums—even in regions not traditionally seen as “high risk.” For example, hail in the U.S. Midwest is becoming more destructive, thanks to warming temperatures.
Recent research shows even our understanding of flooding is flawed. A North Carolina study found that coastal flooding is underreported using NOAA’s traditional tide gauges, revealing hidden vulnerabilities in everyday rain events.
Bottom line: Climate volatility is exposing the gaps in our infrastructure, insurance models, and public awareness. As risk evolves, so must our systems—and our understanding.
Insurers, homeowners, and policymakers alike must become more proactive in adapting to a reality where the “small stuff” is no longer small.
20 years of experience in energy efficiency and rooftop solar development, now building Fortifyy.
