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Texas Hail(ed) 2023 a Record-Breaking Year for Insured Losses

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Texas Hail(ed) 2023 a Record-Breaking Year for Insured Losses


How severe storms in Texas and population growth are driving hail damage

Severe convective storms — also known as severe thunderstorms — caused tens of billions of dollars of insured losses across the U.S. in 2023.

Tornadoes, straight-line winds (including derechos) and hail are the damage-causing agents of severe thunderstorms, but it was the latter that dominated the loss landscape in 2023.

Hail of at least one inch in diameter battered more than 10 million homes across the U.S. Two million of those homes were in Texas alone.

Historically, risk managers have considered severe thunderstorms a secondary peril given the high-frequency but low-severity nature of these events. However, hail is quickly becoming an expensive peril that should be modeled with the same scrutiny as the “big ones” like hurricanes and earthquakes.

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In 2023 there were 141 days with large hail (greater than two inches), which is more days than any year since 2003. Insured loss figures have also been increasing. This significant increase is the result of two interrelated factors: climate patterns and the increasing scale of homes.

Understand 2024 Severe Convective Storm Season Risk

2024 SCS Risk Report

Does Changing Weather Lead to Texas-Sized Hail?

There is a direct link between a warming atmosphere and weather pattern volatility. Annual or multiannual climate phenomena, such as the shift to El Niño during the spring of 2023 following multiple years of La Niña, likely influenced last year’s severe convective storm activity. This influence was compounded by record-breaking sea-surface temperatures and the subtropical jet stream, a belt of winds located within the tropics.

While the evidence to connect weather patterns and the number of intense storms is compelling, it is difficult to determine if long-term atmospheric changes are the primary driver of increased severe thunderstorm activity without a more extensive historical record.

Nevertheless, it is important to recognize that evolving climate risk is changing historical patterns, and as a result, has the potential to influence the impacts that severe convective storms can have on properties in future climate scenarios. 

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Affordability Means Texas Weather and Hailstorms

In conjunction with the volatile climate, more people are moving to hail-prone areas like Texas due to the allure of more affordable homes.

“Given how expansive Texas is, it is way more likely hail falls on the ground avoiding homes, office buildings or farms,” said CoreLogic’s Director of Catastrophe Response Jon Schneyer. “But in 2023, many of the largest hailstorms happened to hit major cities in Texas like the Dallas-Fort Worth and Austin areas. When that happens, losses can add up quickly.”

Texas has been attracting newcomers due to its low cost of living, strong economy, and job opportunities. Historically, substantial portions of Texas were sparsely populated, especially in the rural areas where hail is more frequent and severe. However, in recent years, the urban and suburban areas of Texas have been expanding rapidly, creating more demand for housing and infrastructure.

According to a CoreLogic economic analysis, Texas has been home to some of the fastest-growing cities over the past five years. In 2019, and again in 2020, more people moved to Austin than left the metro area. While this trend flipped from 2021 to 2023, there was a strong inter-metro migration pattern from Austin to San Antonio, which saw the fourth-largest influx of residents in 2023. Similarly, Houston grew rapidly and had the third-highest rate of in-migration in the U.S.

Everything Is Bigger in Texas — Including Costs

Despite the increasing number of migrants to this low-cost state, both construction and labor costs are going up. This means that even in Texas, houses are getting pricier. They are also bigger.

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Across the U.S., the size of single-family homes has increased in the decades following 1980. In 1985, U.S. Department of Housing and Urban Development data showed that the median square footage for single-family homes was 1,610. By 2022, the median size of a new, single-family home was 2,383 square feet, according to the U.S. Census Bureau. This means that more roof area, windows, and siding are exposed to hail impacts. And the materials for these repairs are increasing in price.

“Areas where people are building bigger, more expensive homes were hit hard,” Schneyer said. “On top of that, inflationary pressures on materials and labor are really driving up individual claims. What might’ve been a $2,000 to $4,000 roof repair 10 years ago could be twice that or more now. So that will really inflate insured losses.”

Inflation has also played a role in driving up the costs of reconstruction, although it has stabilized in recent months. However, asphalt shingles, one of the most common roof-type materials used throughout the U.S., experienced a 40% cost increase over the past five years. Similarly, the cost of ceramic tiles increased by 26% since 2018.

Compounding the increasing square footage that is exposed to Texas weather hailstorms is the challenge associated with finding skilled labor to make the necessary repairs. Since the Great Recession of 2006 – 2010, there has been a persistent reduction in employees entering the construction trades. The result is that the pace of labor attempts to match demand but is perpetually racing to catch up, allowing for premium prices to dominate the market.

Texas Hail Is a Year-Round Peril

Further straining the equation for insurers is the fact that hail is a year-round risk. In May, Texas faced a slew of storms in the lead up to June when CoreLogic estimated that in one week alone, straight-line winds and hail generated between $7 billion and $10 billion in insured losses. Then in September, a hailstorm hit the greater Austin metro with hail stones the size of softballs barreling down on the highly populated area. October then brought large hail to the Lubbock area.

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The unprecedented scale of insured losses has insurers and homeowners across the U.S. reconsidering the risk associated with these seasonal storms.

One opportunity to help reduce the vulnerability of its homes to hail damage and lower the costs of reconstruction associated with severe convective storms is the implementation of building codes.

By implementing and enforcing stricter building codes, insurers writing in Texas can gain assurance that mitigating measures — such as using impact-resistant roofing materials, reinforced windows, and durable siding — are routinely recognized.

Research, property data, stringent building codes, and a commitment to preparedness are all lessons that insurers and homeowners can glean from 2023 to get ready to mitigate property risk for the 2024 season.

Understand 2024 Severe Convective Storm Season Risk

2024 SCS Risk Report

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The CoreLogic statements and information in this blog post may not be reproduced or used in any form without express written permission. While all the CoreLogic statements and information are believed to be accurate, CoreLogic makes no representation or warranty as to the completeness or accuracy of the statements and information and assumes no responsibility whatsoever for the information and statements or any reliance thereon. CoreLogic® and Marshall & Swift® are the registered trademarks of CoreLogic, Inc. and/or its subsidiaries.



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Texas to require proof of identity, legal status for new vehicle titles March 5, 2026

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Texas to require proof of identity, legal status for new vehicle titles March 5, 2026


A major change is coming to how vehicles are titled and registered in Texas, with local officials and border-area dealerships bracing for questions, delays and the possibility that some buyers could take their business out of state.

Beginning March 5, 2026, Texans applying for an original vehicle title and registration will need proof of identity and proof of legal status in the United States.

The Texas Motor Vehicle Board approved a new rule requiring county tax offices to verify that documentation before processing those transactions.

“If the person doesn’t have valid ID, we cannot register their vehicle,” said Ruben Gonzalez, the El Paso County tax assessor-collector.

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Gonzalez said the rule is mandatory statewide and is not a local policy, but a state mandate he is required to follow as an agent of the DMV.

Under the rule, buyers must present a REAL ID-compliant Texas ID or other federally recognized documents, including a passport or permanent resident card.

Gonzalez said the rule takes effect March 5 for new titles and registrations, but proof of legal status for registration renewals will not be required until Jan. 1, 2027.

“We’re going to give a year’s time for those people to qualify, but more so to allow the entities, businesses like lean holders and dealers and the county offices to be trained on what’s an acceptable form of documentation to accept from people that are renewing online or in our offices,” Gonzalez said.

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Destiny Venecia reports on Texas to require proof of identity and legal status for vehicle titles, registrations (Credit: KFOX14)

RECOMMENDED: El Paso residents report natural gas bills nearly doubling, citing surprising fees

Local dealerships said they are working to adapt, but some employees and customers are uneasy about the change.

Luis Fierro, president of the El Paso Hispanic Independent Automobile Dealer Association, said, “My personnel is a little bit scared to make a mistake. Within the dinner community, they’re all scared, they’re all lost in the system. They’re trying to figure out, as we all believe, an ID was a real ID. Now we find out that what we knew that was good to be used is no longer good.”

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Border-area dealerships also worry customers could buy and register vehicles in New Mexico, taking taxes and fees out of Texas.

“Customers are scared of the new implementation, that they’re going to take their business to New Mexico, pay their taxes in New Mexico, and handle the registration and renewals in the state of New Mexico and avoid Texas,” Fierro said.

County leaders said the concern extends beyond lost sales to lost revenue for Texas counties.

“It’s going to be a loss of revenue because if they go to New Mexico, we can’t collect our fees that are due because they’re all they’re running using our highways,” Gonzalez said.

County officials said they expect an increase in questions and possible delays in the first few months after the rule takes effect March 5, 2026.

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RECOMMENDED: Texas bans temporary paper license plates to curb fraud

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North Texas middle school closes after a norovirus outbreak

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North Texas middle school closes after a norovirus outbreak


A middle school in the Eagle Mountain-Saginaw ISD is closed Friday after an outbreak of norovirus.

According to the school district, they closed Creekview Middle School in Fort Worth on Friday to sanitize and clean the building. The district said they plan on reopening the school on Monday.

The district said children started to get sick on Tuesday with what appeared to be a stomach virus and that on Wednesday it spread to a larger group.

EMSISD said they reached out to the Tarrant County Public Health Department and that they recommended disinfecting and cleaning the school on Wednesday night and reopening the next day.

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More cases continued to be reported on Thursday, so the public health department then recommended that they clean again and close the campus on Friday.

Parents were notified of the district’s decision on Thursday afternoon.

The district has not said how many students and staff were sickened in the outbreak.

Officials with Children’s Medical Center said that because norovirus is highly contagious and resistant to many common hand sanitizers, it presents a unique challenge for families.

The hospital says hand sanitizer isn’t enough and recommends thorough hand washing with soap and water. They also recommend parents keep their children home for a full 48 hours after symptoms stop to prevent further outbreaks.

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The Centers for Disease Control and Prevention says there are approximately 2,500 norovirus outbreaks in the United States each year and that they are most common from November through April. For further tips on preventing the spread of norovirus, visit the CDC.



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Trump heads to Texas, where 3 friends are battling it out in the Senate Republican primary

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Trump heads to Texas, where 3 friends are battling it out in the Senate Republican primary


WASHINGTON — President Donald Trump just can’t seem to choose among friends in the Texas Senate Republican primary.

So when he travels to the state on Friday for his first post- State of the Union trip, where he plans to promote his energy and economic policies, Trump will have all three candidates in the competitive race join him — just days before his party casts ballots in the primary race.

Sen. John Cornyn is battling for his fifth term and is being challenged by state Attorney General Ken Paxton and Rep. Wesley Hunt in a primary fight that has become viciously personal. And all three men, missing the coveted endorsement from Trump, have been trying to highlight their ties to him as they ramp up their campaigning ahead of Tuesday’s vote.

For his part, Trump will be seeking to ride the message of his State of the Union address from Tuesday, where he declared a return to economic prosperity and a more secure America — two centerpiece arguments for Republicans as they campaign to keep their congressional majorities this fall.

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Trump’s hesitation to endorse in the Texas Senate primary speaks to the tricky dynamics of the race.

Cornyn is unpopular with a segment of Texas’ GOP base, in part for his early dismissiveness of Trump’s 2024 comeback campaign and for his role in authoring tougher restrictions on guns after the 2022 school shooting in Uvalde, Texas. But Senate GOP leadership and allied groups see Cornyn as the stronger general election candidate, in light of a series of troubles that have shadowed Paxton.

Paxton beat impeachment on fraud charges in 2023, and has faced allegations of marital infidelity by his wife, state Sen. Angela Paxton.

Sen. John Cornyn, R-Texas, right, is joined by former Texas Gov. Rick Perry, left, during a campaign stop in Austin, Texas, Tuesday, Feb. 17, 2026. Credit: AP/Eric Gay

Senate Majority Leader John Thune and South Carolina Sen. Tim Scott, chairman of the National Republican Senatorial Committee, have urged Trump to endorse Cornyn. They and allied campaign groups argue that the seat would cost the party hundreds of millions more to defend with Paxton as the candidate.

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“It is a strong possibility we cannot hold Texas if John Cornyn is not our nominee,” Scott told Fox News on Wednesday.

Hunt, a second-term Houston-area representative, was a later entry to the race, but claims a kinship with Trump, having endorsed him early in the 2024 race. Hunt campaigned regularly for Trump and earned a prime-time speaking slot at the Republican National Convention in Milwaukee.

If no candidate reaches 50% in Tuesday’s primary, the top two finishers will advance to a May 26 runoff.

Texas Attorney General Ken Paxton and Rep. Troy Nehls, R-Texas,...

Texas Attorney General Ken Paxton and Rep. Troy Nehls, R-Texas, arrive before President Donald Trump delivers the State of the Union address to a joint session of Congress in the House chamber at the U.S. Capitol in Washington, Tuesday, Feb. 24, 2026. Credit: AP/Allison Robbert

Cornyn’s campaign and a half-dozen allied groups have poured more than $63 million into the race since last fall, chiefly trying to slow Paxton but recently attacking Hunt in an effort to keep him from making it to the runoff.

Earlier this month, Trump feinted toward weighing in on the race when he said he was taking “a serious look” at endorsing in the Texas primary. He has since reaffirmed his neutrality.

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Still, you wouldn’t know it from watching TV in Texas. Cornyn has been airing ads since last year touting his support for Trump’s agenda, even though his relationship with the president has been cool at times. Paxton and Hunt both have ads airing now featuring them standing with Trump.

“I like all three of them, actually. Those are the toughest races. They’ve all supported me. They’re all good. You’re supposed to pick one, so we’ll see what happens. But I support all three,” Trump said earlier this month.

The GOP battle comes as Democrats have a contested primary of their own in Texas between state Rep. James Talarico, a self-described policy wonk who regularly quotes the Bible, and progressive favorite U.S. Rep. Jasmine Crockett.

Trump hasn’t been shy about wading into other contested Republican primaries in the state. Parts of Corpus Christi fall within Texas’ 34th congressional district, where former Rep. Mayra Flores is fighting to reclaim her seat against the Trump-endorsed Eric Flores. (The two are not related.) The winner of the primary will face off against Democratic Rep. Vicente Gonzalez, long a target of the GOP, whose district was redrawn to make it easier for a Republican to win.

Eric Flores will be at the Trump event at the Port of Corpus Christi, which technically is located in a neighboring district.

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Elsewhere in the state, the president has also endorsed Rep. Tony Gonzales, who is fighting calls from his own party to resign from Congress after reports of an alleged affair with a former staffer who later died after she set herself on fire. Gonzales is refusing to step down and has said that there will be “opportunities for all of the details and facts to come out” and that the stories about the situation do not represent “all the facts.”

Gonzales is facing a primary challenge from Brandon Herrera, a gun manufacturer and gun rights influencer who Gonzales defeated by fewer than 400 votes in their 2024 runoff. The White House did not return a request for comment on Thursday on whether Trump stands by his endorsement of Gonzales.



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