Between April 2 and April 7, 2025, the southeastern United States was pummeled by a series of devastating storms, resulting in anticipated losses for U.S. insurers totaling several hundred million dollars. The report, published by AM Best and incorporating data from Aon, highlights the extensive damage caused by severe weather conditions during this period. The National Weather Service recorded approximately 1,500 incidents of tornadoes, hail, and strong winds. On April 2 alone, over 880 reports were documented, primarily affecting a wide swath from North Texas through to southwestern Pennsylvania. Among these incidents, 128 tornadoes were confirmed, with 33 classified as EF-2 or higher in severity.

The wave of severe storms sweeping across the southeastern U.S. underscores the growing impact of extreme weather on the insurance industry.

Compare Insurance Quotes in Minutes

Get fast, free quotes from top providers for Auto Insurance.

Easy. Fast. No commitment.
Enter your ZIP code to get started.





One of the most destructive tornadoes, an EF-3, hit Selmer, Tennessee, causing significant damage or total destruction to more than 330 structures. Kentucky experienced severe impacts as well, with a tornado hitting parts of the Louisville metropolitan area and flooding in Frankfort from an overflowing Kentucky River affecting residential and commercial establishments, notably inundating numerous historic homes and the renowned Buffalo Trace distillery. The expanse of the flood stretched from Texas to Ohio, leading Aon to caution that limited access to certain areas might push total loss estimates higher than initially projected.

The adverse weather event from April 2 to 7 was part of a broader meteorological disturbance that first began on March 29, spanning from Texas and Oklahoma and reaching up to Ontario, Canada. In Texas, response teams were mobilized as several counties reported storm damages. In light of the situation, Texas Governor Greg Abbott instructed the Texas Division of Emergency Management to collaborate with the U.S. Small Business Administration. Their joint efforts aim to assess and validate the extent of damage, facilitating federal disaster aid eligibility for northeast Texas communities.

Furthermore, the U.S. Department of Agriculture (USDA) has declared the availability of disaster assistance programs for agricultural producers in Texas, such as the Livestock Indemnity Program, which compensates for livestock losses that occur beyond standard rates due to adverse weather. In preparation for future incidents, the Texas Windstorm Insurance Association is in the process of securing an additional $375 million through a new catastrophe bond, Bluebonnet Re 2025-1. This bond aims to enhance their reinsurance coverage, ensuring financial resilience against subsequent severe weather occurrences. These developments highlight the increasing measures being adopted by both public and private sectors to manage risks posed by intensifying weather patterns.