What each number means
Disaster declarations count the federal major disasters since 2000 that named the county, each counted once, from FEMA’s declarations (COVID-19 declarations are left out). Disaster declarations by state.
Hail reports come from NOAA’s Storm Events Database: each is hail reported to the National Weather Service in the county, with the stone size. Hail storms by state.
Tornadoes come from the Storm Prediction Center’s database, counting each tornado whose path touched the county. Tornadoes by state.
Flood claims are National Flood Insurance Program claims with a loss in the county, and what the program paid. Most homeowners policies exclude flood, so these are only the losses that had flood insurance. Flood insurance claims by state.
How insurers use it
Carriers price homes by location, and a county’s storm history is part of why one area carries a separate wind and hail deductible or a higher premium than the next. It doesn’t decide your own policy, which also depends on the house, the roof and your claims, but it explains a lot about the market you’re shopping in (wind and hail deductibles; older roofs; flood zone X).
Data: FEMA declarations through 2026-10-02; NOAA Storm Events through 2026-06-30; SPC tornadoes through 2025; NFIP claims through 2026. Download the county file: JSON.