LexisNexis report shows US home insurance claims severity hits record high in 2025

  • Relx published a LexisNexis analysis showing U.S. home insurance claim severity hit an all-time high in 2025, up 25.9% from 2024.
  • All-peril claim frequency fell 23.8% in 2025; all-peril loss cost slipped 4.4% but stayed 50% above 2019.
  • Climate disasters totaled USD 115 billion in 2025 across 23 events; Los Angeles wildfires accounted for USD 61.2 billion.
  • Fire and lightning drove 2025 losses, with loss cost up 76.8% and severity up 67.3% year over year.
  • Wind loss cost fell 50.4% in 2025, though a mid-March tornado outbreak caused an estimated USD 11 billion in damage.


Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Relx plc published the original content used to generate this news brief via PR Newswire (Ref. ID: 202607220930PR_NEWS_USPR_____CL09562) on July 22, 2026, and is solely responsible for the information contained therein.

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