Texas storm damage and disaster statistics
From 2016 to 2025 the National Weather Service logged 48,031 storm event reports in Texas, with property damage estimates totalling $67 billion. That is the highest of the 50 states and D.C.
Hail was reported most often (12,919 reports). Flood accounted for the most reported damage ($47 billion). FEMA has issued 40 major disaster declarations for Texas since 2000.
storm event reports, 2016–2025
property damage estimated in those reports
major disaster declarations since 2000
hail reports, 1,986 of two inches or larger
tornado reports, 183 rated EF2 or stronger
home damage verified by FEMA inspectors since 2002
Reported storm damage in Texas, year by year
Largest single damage estimate
$10 billion
Flash Flood, Galveston, 2017. Large events are recorded county by county, so one disaster can appear as several entries.
A quiet year on this chart can mean few damaging storms, or storms whose reports carried no damage estimate.
What hits Texas: reports and damage by type
- Hail 12,919
- Damaging wind 12,297
- Flood 4,478
- Winter weather 3,316
- Tornado 1,244
- Wildfire 486
- Lightning 256
- Hurricane and tropical storm 252
- Flood $47B
- Hurricane and tropical storm $10B
- Hail $6.8B
- Tornado $2.2B
- Winter weather $380M
- Damaging wind $359M
- Wildfire $359M
- Lightning $40.4M
Federal disasters in Texas
FEMA has recorded 40 major disaster declarations, 15 emergency declarations and 165 fire management declarations for Texas since 2000.
The most recent major disaster declaration in this data is Severe Storms, Straight-Line Winds, Tornadoes, And Flooding (flood), declared September 1, 2026.
Some states change their rules on public adjuster fees and contracts after a declared disaster. See what a declaration changes.
- Flood 12
- Severe Storm 9
- Hurricane 8
- Fire 3
- Severe Ice Storm 2
- Coastal Storm 2
- Winter Storm 1
Home damage FEMA has verified in Texas
After a declared disaster, homeowners can register with FEMA and have their home inspected. These are the totals for Texas since 2002.
homeowners registered, across 33 disasters
damage verified by FEMA inspectors
individual assistance FEMA approved for those owners
homes inspected
inspections that found more than $30,000 of damage
average verified damage per inspected home
FEMA assistance is not insurance and is capped. It measures damage against its own habitability standard, and it counts only owners who registered and were inspected.
Official insurance claim figures for Texas
What insurers and regulators have reported for Texas. Unlike the storm estimates above, these are insurance figures.
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2,186
Public insurance adjuster licenses in Texas at fiscal year end (1,514 in 2021; 1,659 in 2022; 1,717 in 2023; 1,997 in 2024; 2,186 in 2025). · Fiscal years 2021-2025
Read with care: Read the table carefully: a layout-preserving text extraction of this PDF shifts rows and shows a different line's numbers against this label. The values here were confirmed with two other extraction modes. The report does not say whether business licenses are included.
Texas Department of Insurance, PDF page 49 (page footer reads 45), table 'Agent and adjuster licenses, certificates, and registrations by fiscal year' (show the source wording)
The source says“Public insurance adjusters 1,514 1,659 1,717 1,997 2,186”
Read it at the source (opens in a new tab) -
1,851
Rows with license type 'Public Insurance Adjuster' in TDI's open licensing dataset on the day checked (1,850 distinct people; 1,058 with a Texas address). · Dataset as updated November 10, 2026
Read with care: Counted this session through the portal's API; the quote is the API's answer to our query, not text TDI wrote. The dataset includes some rows with past expiration dates, and it is lower than the 2,186 in TDI's fiscal 2025 annual report; the two sources are not directly comparable.
Texas Department of Insurance (Texas Open Data Portal), API query: count of rows where license_type = 'Public Insurance Adjuster' (show the source wording)
The source says“{"license_type":"Public Insurance Adjuster","n":"1851","people":"1850"}”
Read it at the source (opens in a new tab) -
about 765,000
Insurance claims generated by Hurricane Harvey in Texas across all personal and commercial lines (about 412,000 residential property and 211,000 automobile). · Data through December 31, 2018
Read with care: Insurer-reported to TDI and not audited. Includes private insurers, TWIA and the Texas FAIR Plan, and federal flood claims only where sold through private 'Write Your Own' insurers.
Texas Department of Insurance, Executive Summary, PDF page 5 (show the source wording)
The source says“As of December 31, 2018, Hurricane Harvey generated about 765,000 claims to private insurers, TWIA, and the Texas FAIR Plan Association for all personal and commercial lines of insurance.”
Read it at the source (opens in a new tab) -
about $16.8 billion paid; about $20 billion expected
Claim payments made for Hurricane Harvey in Texas and insurers' estimate of the eventual total. · Data through December 31, 2018
Read with care: Insurer-reported to TDI and not audited. Includes private insurers, TWIA and the Texas FAIR Plan, and federal flood claims only where sold through private 'Write Your Own' insurers. Most of the dollars were flood and commercial property, not homeowners policies.
Texas Department of Insurance, Executive Summary, PDF page 5 (show the source wording)
The source says“insurers have made about $16.8 billion in claim payments (paid losses). Insurers estimate they will ultimately pay out a total of about $20 billion.”
Read it at the source (opens in a new tab) -
98 percent (749,000 claims)
Share of Hurricane Harvey claims in Texas that insurers had closed 16 months after the storm. · Data through December 31, 2018
Read with care: Insurer-reported to TDI and not audited. Includes private insurers, TWIA and the Texas FAIR Plan, and federal flood claims only where sold through private 'Write Your Own' insurers.
Texas Department of Insurance, Executive Summary, PDF page 5 (show the source wording)
The source says“insurers have closed 749,000 claims, which is 98 percent of all claims.”
Read it at the source (opens in a new tab) -
60 days
Average time to close a residential property claim from Hurricane Harvey in Texas. · Claims closed as of December 31, 2018
Read with care: Insurer-reported to TDI and not audited. Includes private insurers, TWIA and the Texas FAIR Plan, and federal flood claims only where sold through private 'Write Your Own' insurers. Some surplus lines insurers were excluded from this average.
Texas Department of Insurance, PDF page 24 (Residential Property Data by Region) (show the source wording)
The source says“For residential property claims closed as of December 31, 2018, it took an average of 60 days to close a claim.”
Read it at the source (opens in a new tab) -
61 percent (ACV policies) vs 55 percent (RCV policies)
Share of Hurricane Harvey residential property claims in Texas closed without payment, by whether the policy paid actual cash value or replacement cost. · Data through December 31, 2018
Read with care: Insurer-reported to TDI and not audited. Includes private insurers, TWIA and the Texas FAIR Plan, and federal flood claims only where sold through private 'Write Your Own' insurers. More than half of residential claims closed without payment largely because Harvey's damage was flooding, which homeowners policies usually do not cover; TDI notes some people filed only to get a denial needed for FEMA aid.
Texas Department of Insurance, Executive Summary, PDF page 10 (detail on page 25) (show the source wording)
The source says“Policies with ACV coverage had a higher percentage of claims closed without payment (61 percent for ACV policies versus 55 percent for RCV policies)”
Read it at the source (opens in a new tab) -
511,473
Insurance claims reported from the February 2021 Texas winter storm (Winter Storm Uri), all lines. · As of June 30, 2022
Read with care: Insurers reporting cover about 94% of the Texas property market. Excludes liability and collision auto claims.
Texas Department of Insurance, Page 3 (show the source wording)
The source says“As of June 30, 2022, reporting insurers indicated they had 511,473 insurance claims”
Read it at the source (opens in a new tab)
How Texas ranks
| Measure | Texas | Rank of 51 | In context |
|---|---|---|---|
| Storm event reports | 48,031 | 1st | 153 per 100,000 residents |
| Reported property damage | $67 billion | 1st | $2,152 per resident |
| Hail reports | 12,919 | 1st | 1,986 of two inches or larger |
| Tornado reports | 1,244 | 1st | 183 rated EF2 or stronger |
| Major disaster declarations since 2000 | 40 | 17th | 15 emergency declarations |
| FEMA-verified home damage since 2002 | $4.8 billion | 3rd | 2,246,578 homeowners registered |
If you have a claim in Texas
- Texas rules for insurers and public adjustersCapped at 10%. Checked against the law November 10, 2026.
- Do I need a public adjuster?Six questions and an honest answer.
- Licensed public adjusters in Texas2,051 individuals and firms from state licence records.
- When the insurer's offer is too lowWhy it happens and what you can do.
Texas questions
What causes the most storm damage in Texas?
How often does it hail in Texas?
How many tornadoes does Texas get?
How many federal disasters has Texas had?
How much home damage has FEMA verified in Texas?
Use this data
You are welcome to quote these figures and reuse the charts in news stories, research and blog posts. Please credit the page with a link.
PublicAdjuster.cc, "Texas storm damage and disaster statistics," https://publicadjuster.cc/data/texas/. Compiled from the NOAA Storm Events Database and FEMA OpenFEMA data, November 10, 2026.
Download all states (CSV) How the figures are built
The underlying records are published by NOAA, FEMA and the U.S. Census Bureau. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).