A quieter storm season in 2025 did little to ease the roof-related loss burden on American property insurers. New data showed that replacement costs surged to their highest levels on record even as overall claims volume fell sharply.
The 2025 Verisk US Roof Report found that average residential roof replacement costs reached $17,631 in 2025, a 33% increase over the prior four-year average, while repair costs averaged $4,699, up 25% over the same baseline. Total residential roof replacement cost value declined to $23 billion in 2025 from an average of $24.4 billion in 2021 and 2024, but only because a limited hurricane season suppressed frequency. The underlying cost trajectory remained firmly upward.
In 2024, US roof repair and replacement cost value totaled nearly $31 billion, up nearly 30% since 2022, with roofing line items making up more than a quarter of all residential claim value. Non-catastrophic wind and hail roof claims rose from 17% to 25% of all residential claims between 2022 and 2024, a shift that points to everyday weather events driving severity independently of named storms.
That trend sits within a broader context of rising severe convective storm losses that is drawing increasing concern from reinsurers. US severe convective storm insured losses reached $42 billion in the first nine months of 2025 alone, with average per-event costs running 31% higher than the previous decade's average, prompting Moody's to describe the loss level as a "new normal".
For the full year, Swiss Re estimated global insured losses from severe convective storms at $50 billion — the third costliest year on record — with the US accounting for 83% of total global natural catastrophe insured losses.
Hail remains the dominant weather-related threat to US roofs, and its geographic reach expanded again in 2025.
Verisk data showed 16 states recorded severe hail impacts on more than 20% of roofs, up from 12 in 2024. Kansas led the nation with 51.8% of roofs impacted and a long-term average annual loss of $2.2 billion, while Arkansas, Nebraska, Oklahoma and South Dakota were the most consistently exposed states across 2022 to 2025.
Tory Farney, vice president of Verisk Weather Solutions, said the threat was cumulative as much as acute.
"Hail risk is not just about one monster storm; it's the cadence of frequent, smaller-scale events that can rapidly age and weaken a roof," he said. "Large hail may cause less damage per event than giant hail, but its wider footprint and year-to-year variability can drive unexpected concentrations of damage."
The report's condition data carried direct implications for underwriting and pricing strategy. Verisk's Roof Condition Score baseline showed roofs rated moderate to poor experience approximately 60% higher loss costs than those rated good or excellent.
As of 2025, 38% of US residential homes showed moderate to poor condition based on aerial imagery analysis, meaning more than a third of the housing stock carries a materially elevated loss profile.
Ryan D'Amario, senior vice president of Property Product Management at Verisk, said the scale of the problem made roof condition a non-negotiable underwriting variable.
"When more than a third of the housing stock falls into this category, roof condition becomes a core underwriting signal that has meaningful implications for risk selection, loss predictability and pricing accuracy," he said.
The market is already repricing accordingly. The premium differential between roofs under five years old and those aged 11 to 15 years expanded from $49 in 2022 to $155 in 2025, with average deductibles rising 22% in 2025 following a 15% increase in 2024.
Insurers are increasingly deploying satellite imaging, drones and AI-driven assessments to evaluate properties at scale, enabling property-specific pricing rather than portfolio-level assumptions, according to the report.
