The Storm Stress Index: Measuring America's Riskiest States in 2025
The Commercial Property Storm Stress Index scores each state on two equally weighted metrics, storm frequency (number of billion-dollar disasters impacting the state in 2025) and disaster cost share (each state's proportion of total U.S. 2025 disaster costs of $116.1 billion), each normalized to a 0-100 scale and averaged equally at 50/50 to produce a final Storm Stress Score. Risk tiers: Extreme (50+), High (15-49), Elevated (below 15). Cost figures represent midpoint estimates of Climate Central's reported state-level cost ranges.