Verisk: Hail Volatility, Aging Roofs Driving Higher Severity

Average U.S. residential roof replacement costs jumped 33% and repair costs rose 25% in 2025 compared to the prior four-year average despite a sharp decline in claims volume, a new report shows.

Verisk’s 2026 U.S. Roof Report shows everyday wind and hail events and aging roofs are driving higher residential replacement severity.

Related: State Farm Paid a ‘Hail’ of a Lot of Claims in 2025

Average residential roof replacement costs hit $17,631 in 2025, with repair costs averaging $4,699, the Verisk report out last week shows.

Roof claims represent a large portion of all property claims within the U.S. According to the report, roofing line items representing roughly 30% of all line items within claims estimates. That means roofing trends are often in line with larger claims trends, the report shows.

Hail greater than or equal to 1 inch in diameter remains the dominant weather-related threat to roofs across much of the U.S. There were 16 U.S. states with 20% or more roofs impacted by severe hail in 2025, up from 12 states from 2024, according to the report.

Several reports out recently have showed that hailstorms are driving record insured damages as severe convective storms become more common and damaging, popping up in new places.

Related: Why Are Severe Convective Storms All The Rage Nowadays

The top five states with roof damage produced by hail are:

Source: Verisk

Roof ages also contributed to the rising severity. Roofs that are in moderate to poor condition show roughly 60% higher loss costs than roofs in good or excellent condition, according to Verisk.

“Roof age can have a significant impact to the roof damage we see in wind and hail events,” the report states. “The roof’s resistance to these events can change over time due to several factors, including material aging and deterioration. This deterioration may be caused by solar radiation, temperature, wind, and precipitation, among others.”

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