Original analysis of public government data on the risks insurance covers: hail, tornadoes, earthquakes, floods, wildfires, disasters, truck crashes and inspections, new trucking companies, home insurance non-renewals and contractor workers’ comp. Every report is refreshed from its source, downloadable as CSV and free to use with a link.
By Sam Alishahi, independent insurance broker · 14 reports · Key facts on one page
Hail reports, 2-inch hail, the largest stones and the top counties.
Texas gets the most hail: 12,919 hail reports from 2016 through 2025, followed by Kansas (7,353) and Oklahoma (5,409). Nationwide, NOAA logged 87,665 hail reports in those 10 years, 8,525 of them 2 inches or larger.
Tornadoes, EF2+ storms, deaths and counts since 1950.
Texas has the most tornadoes: 1,119 from 2016 through 2025, followed by Oklahoma (829) and Mississippi (828). Nationwide, 13,184 tornadoes were recorded in those 10 years, about 1,318 a year; 2024 had the most (1,805).
Magnitude 4.0+ earthquakes and each state’s largest since 2000.
Alaska has by far the most earthquakes: 8,331 of magnitude 4.0 or greater from 2000 through 2025, most of them offshore along the Aleutian Islands, followed by California (1,028) and Oregon (307). Among the lower 48 states, California leads; 36 of the 50 states and DC recorded at least one.
NFIP claims and payouts by state, county and storm since 2005.
Louisiana has the most flood insurance claims: 303,142 NFIP claims with losses from 2005 through 2026, paid $19.3 billion, followed by Florida (258,204 claims, $16.5 billion) and Texas (226,065, $14.7 billion). Nationwide, the NFIP paid $74.8 billion on 1,440,229 claims, and 27% of claims with a known zone came from outside high-risk flood zones.
How many homes in high-risk flood zones have an NFIP policy, every state and county.
Only about 4 in 10 homes in FEMA’s high-risk flood zones have National Flood Insurance Program coverage: 39.8% nationwide, 1,493,434 NFIP policies for 3,752,915 homes in the 2,271 counties FEMA’s August 3, 2026 data can measure. Among states where FEMA’s home counts are close to complete, coverage is lowest in West Virginia (10.3%), Oklahoma (12.3%) and Iowa (12.7%) and highest in New Jersey (62.4%), Delaware (58.1%) and Florida (56.8%); among counties with at least 10,000 high-risk homes, Kanawha County, West Virginia, is lowest at 9.8%.
Every federal disaster declaration since 2000, by state, county and type.
Oklahoma has the most federal disaster declarations: 60 major disasters since 2000, followed by California (52) and Kansas (50).
Acres burned and the largest fires in every county since 2013.
Siskiyou County saw the most acres burn: about 948,489 acres from 2013 through 2025, followed by Trinity (858,607) and Tehama (689,040). Statewide, the incidents CAL FIRE posted burned 13.02 million acres in those years; 2020 was the worst (2.94 million), and the largest fire was the August Complex (includes Doe Fire): 1,032,648 acres in 2020.
Insurer-initiated non-renewals and FAIR Plan growth, county by county.
Tuolumne County had California’s highest homeowners non-renewal rate in 2023: insurers declined to renew 18.4% of the policies up for renewal there, against 9.4% statewide, followed by Nevada (18.1%) and Lake (15.4%). FAIR Plan policies written or renewed in a year grew from 222,091 in 2020 to 324,954 in 2023 statewide. Look up your ZIP code · Wildfires by county .
Look up any ZIP’s non-renewal rate, 2020–2023, with rankings.
Magalia (95954, Butte County) had California’s highest homeowners non-renewal rate in 2023: insurers declined to renew 46.7% of the policies that came up for renewal there, up from 18.5% in 2020, against 9.4% statewide. Three Rivers (93271) was next at 31.8%, and 31 ZIP codes ran at double the statewide rate or more. The same data by county .
Deaths, fatal, injury and all reportable crashes involving commercial trucks.
Texas has the most truck accident deaths: 7,137 people died in crashes involving commercial trucks there from 2016 through 2025 (732 in 2024 alone), followed by California (4,369) and Florida (3,310). Nationwide, 5,182 people died in 2024. 2025 figures are preliminary.
Roadside inspections and vehicle and driver out-of-service rates.
Minnesota has the highest truck out-of-service rate: 40.4% of vehicles inspected there in 2025 were ordered off the road until repaired, against 22.3% nationwide; Mississippi had the lowest (11.5%). California did the most roadside inspections (442,328), and 6.1% of drivers inspected nationwide were placed out of service.
New for-hire carriers registering a USDOT number, by state and month.
About 130,000 new trucking companies start a year: 130,187 new for-hire carriers registered a USDOT number from October 2025 through September 2026, +4.3% from the 12 months before (124,817). Texas, California and Florida had the most. These are new USDOT registrations by for-hire carriers, not new operating authorities (MC numbers).
Licenses still relying on a workers’ comp exemption, by trade and county.
Every active California contractor license, by trade, county and business type: how many carry workers’ compensation and how many rely on an exemption that, with limited exceptions, ends for all licensed contractors on January 1, 2028. From CSLB’s own license file, refreshed from the source and free to cite.
Serious-injury rates for construction, restaurants, trucking, warehouses, nursing homes and janitorial firms in every state.
Warehouses reported the highest serious-injury rate of six high-risk industries: 3.7 injuries or illnesses serious enough to keep a worker off the job, on restricted duty or transferred per 100 full-time workers in 2025, against 2.3 across all 366,514 establishments in OSHA’s 2025 injury reports. Construction reported the lowest of the six, 1.2. These are reports from larger employers in high-hazard industries, not every workplace.
Each report states its source, its method and the date of the data it uses, and links to the government dataset it was built from. The charts can be embedded with the code on each report. Please cite “Alishahi Insurance analysis of [source] data” and link to the report. For questions about a dataset, or a cut of the data for your state, county or story: sam@alishahiinsurance.com.
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