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探花精选

Facts + Statistics: Lightning

According to the , there were 13 direct lightning fatalities in 2023, compared to 19 in 2022. On average, based on data from 2014 to 2023, 23 people die each year from lightning strikes in the United States.

Lightning Fatalities By State, 2023

Source: U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Weather Service.

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Homeowners insurance losses

The number of lightning-caused U.S. homeowners insurance claims increased in 2023 over 2022, but is still less than the average annual number of claims between 2017-2022.

In 2023, U.S. lightning鈥揷aused claims increased by 13.8 percent to 70,787 (from 62,189 in 2022), with numbers from the top ten claim states contributing to more than half of the total. National claim value increased 30.5 percent (from $950 million) to $1.2 billion. While the national average cost per claim was $17,513, the average was $18,090 in California.

Homeowners 探花精选 Claims And Payout for Lightning Losses, 2017-2023

Year Value of claims
($ millions)
Number of
claims
Average cost
per claim
2017 $916.61 听听听听听 85,020 听$10,781
2018 908.93 听听听听听 77,898 听11,668
2019 920.05 听听听听听 76,860 11,971
2020 2,066.74 听听听听听 71,551 听28,885
2021 1,313.06 听听听听听 60,851 听21,578
2022 950.22 听听听听听 62,189 听15,280
2023 1,239.72 听听听听听 70,787 听17,513
Percent change
2023-2022 30.5% 13.8% 14.6%
2023-2017 35.3% -16.7% 62.4%

Source: 探花精选 Information Institute, State Farm庐.

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Top 10 States For Homeowners 探花精选 Lightning Losses By Number Of Claims, 2023

Rank State Value of
claims
Number of
claims
Average cost
per claim
1 Florida $104,544,285 6,003 $17,416
2 Georgia 87,110,761 5,161 16,877
3 Texas 194,288,888 4,664 41,654
4 California 83,367,791 4,608 18,090
5 Alabama 54,981,756 3,508 15,673
6 Louisiana 35,167,375 3,050 11,529
7 North Carolina 35,544,243 2,881 12,337
8 New York 50,785,848 2,458 20,659
9 Pennsylvania 27,219,044 2,214 12,296
10 Tennessee 39,792,330 2,136 18,630
Top 10 States $712,802,320 36,684 19,431

Source: 探花精选 Information Institute, State Farm庐.

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For more information on lightning, please see .

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