A majority of US consumers say they are now comfortable with insurers using artificial intelligence to monitor severe weather and deliver real-time risk alerts, according to new findings from a property and casualty insurance software company.
Insurity released findings from its 2026 AI in Insurance Report on Thursday examining consumer attitudes toward AI in severe weather monitoring and catastrophe response.
According to the report, 51% of consumers said they would feel comfortable if their insurance provider used AI to monitor severe weather conditions and deliver real-time alerts about potential risks such as hailstorms, floods, or wildfires, up from 45% in 2025.
In 2026, 51% of respondents said they would feel confident filing a severe weather-related claim if AI helped validate the loss using satellite imagery or weather data, compared with 38% in 2025.
Forty-two percent of respondents said they believe AI could help insurers process claims more efficiently after severe weather events, up from 28% in 2025.
Jatin Atre, president of Insurity, said the findings reflect growing recognition of AI’s practical value in disaster scenarios.
“Severe weather is one of the key areas where consumers immediately understand the value of AI in insurance,” Atre said. “If technology can warn you earlier about a hailstorm, validate damage using satellite data, and accelerate the claims process after a catastrophe, that’s tangible value. The opportunity for insurers isn’t simply to automate catastrophe response. It’s to make risk visible earlier and recovery faster when events occur.”
The results point to growing consumer openness to AI when applied to catastrophe preparedness and recovery. For insurers, the data suggests that AI adoption tied directly to risk visibility and catastrophe response may be one of the most intuitive entry points for consumer acceptance.
The report’s findings come amid broader shifts in how consumers view AI in insurance. Last month’s version of the report showed that in 2026, 39% of consumers said it is a good idea for their insurance company to use AI to improve services, nearly double the 20% who expressed support in 2025. Resistance is also easing. Last year, 44% of consumers said they were less likely to purchase a policy from an insurer that publicly used AI, a figure that declined to 36% in 2026.
The survey was conducted online in February 2026, with more than 1,000 adult participants randomly selected across the United States to ensure a representative sample. Respondents were asked 18 questions, ranging from multiple-choice to scale-based, to gauge their opinions on AI in property and casualty insurance.
