Texas

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

Published

2 years ago

April 22, 2024

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.

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.

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.

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.

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

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

Arizona State transfer RB Raleek Brown commits to Texas

Published

6 hours ago

January 8, 2026

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Arizona State transfer RB Raleek Brown commits to Texas

Recruiting a running back out of the NCAA transfer portal wasn’t clean and simple after the winter window opened last week, but the Texas Longhorns were able to land a huge commitment from Arizona State transfer Raleek Brown on Thursday.

The 5’9, 196-pounder has one season of eligibility remaining.

Texas offered Brown out of Mater Dei High School in Santa Ana (Calif.) when he was a top-100 prospect in the 2022 recruiting class. A consensus four-star prospect ranked as the No. 3 running back nationally in the 247Sports Composite rankings, Brown committed to home-state USC without taking any other official visits.

Brown’s career with the Trojans didn’t go as planned, however — after flashing as a freshman with 227 yards on 42 carries (5.4 avg) with three touchdowns and 16 receptions for 175 yards (10.97 avg) and three touchdowns, Brown moved to wide receiver as a sophomore and only appeared in two games, recording three catches for 16 yards and a touchdown.

Wanting to play running back again, Brown transferred to Arizona State in 2024, but was limited by a hamstring injury to 48 yards of total offense.

In 2025, though, Brown finally had his breakout season with 186 carries for 1,141 yards and four touchdowns, adding 34 receptions for 239 yards and two touchdowns. Brown forced 53 missed tackles last season, 67 percent of the total missed tackles forced by Texas running backs, and more than half of his rushing yardage came after contact.

Brown ran a sub 4.5 40-yard dash and sub-11 100-meter dash in high school and flashed that explosiveness with runs of 75 yards and 88 yards in 2025, so Brown brings the speed that the Longhorns need with 31 yards over 10 yards, as well as proven route-running and pass-catching ability.

At Arizona State, the scheme leaned towards gap runs, but Brown has the skill set to be an excellent outsize zone back if Texas head coach Steve Sarksian decides that he wants to major in that scheme once again.

With one running back secured from the portal, the question becomes whether Sarkisian and new running backs coach Jabbar Juluke want to add a big-bodied back to the roster or are comfortable with rising redshirt sophomore Christian Clark and incoming freshman Derrek Cooper handling that role.

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Texas leaders react to fatal ICE shooting in Minneapolis

Published

18 hours ago

January 8, 2026

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Texas leaders react to fatal ICE shooting in Minneapolis

article

Texas lawmakers are lighting up social media with opinions about the fatal shooting of a woman in a car in Minneapolis by an ICE officer on Wednesday morning.

Reports from officers differ drastically from those of uninvolved eyewitnesses — the official DHS stance is self-defense against a “domestic terrorist,” while bystanders tell a story of an innocent woman trying to leave peacefully.

The political internet arena Texas is divided along party lines. Republicans generally condemn Minnesota leaders’ reactions to the shooting, while Democrats are calling for ICE to be investigated for the possible murder of a civilian by an anonymous officer.

Texas Republicans react

Among the most vocal of the Texas GOP members after Wednesday’s shooting, U.S. Rep. Wesley Hunt (R-Houston) was quick to question Minneapolis Mayor Jacob Frey’s dismay at the incident. Hunt posted the following to X, formerly Twitter:

“We’ve hit a breaking point in this country when an ICE officer is rammed by a lunatic in an SUV and the Mayor of Minneapolis responds not with condemnation, but by telling federal law enforcement to “get the f*ck out!”

UNITED STATES – JANUARY 22: Rep. Wesley Hunt, R-Texas, leaves a meeting of the House Republican Conference at the Capitol Hill Club on Wednesday, January 22, 2025. (Tom Williams/CQ-Roll Call, Inc via Getty Images)

Hunt, currently in the running for U.S. Senate, later reposted a Fox News video of Gov. Tim Walz’ reaction. Hunt compared Walz to Jefferson Davis before posting a full statement later in the evening that reads, in part, as follows:

“The radical left isn’t turning the temperature down, they’re cranking it to 450 degrees. When leaders normalize this kind of rhetoric, the outcome isn’t hypothetical. It’s dangerous. It’s reckless. And it puts lives at risk. If violence follows, responsibility doesn’t belong to the officers enforcing the law, it belongs to the politicians who lit the fuse.”

Republican Sen. Ted Cruz was more to the point with his criticism of Minnesota leaders, reposting a different video of Walz and referencing the recent fraud scandal within the state.

Walz in the video said Minnesota is “at war with the federal government.” Cruz replied, “Is that why y’all stole $9 billion?”

Texas Democrats react

The other side:

State Rep. James Talarico (D-Austin), another candidate for the same U.S. Senate seat as Hunt, rang in from the other side of the aisle.

“At our town hall last night, I called for a full investigation into ICE,” Talarico said in his post on X. “Today, an ICE agent shot and killed a civilian. We should haul these masked men before Congress so the world can see their faces.”

State Representative James Talarico, a Democrat from Texas and US Senate candidate, during a campaign event in Houston, Texas, US, on Saturday, Sept. 13, 2025. Talarico is jumping into the Democratic primary for US Senate in Texas, taking on a former

Former U.S. Rep. Colin Allred, yet another Senate hopeful, also expressed his ire for the actions in Minneapolis.

“As a civil rights attorney, I’m outraged by today’s ICE shooting in Minnesota that took a woman’s life,” Allred said on X. “No family should lose a loved one this way. No community should live in this fear. ICE has become a rogue agency — operating recklessly, terrorizing communities, and now taking lives. To every community terrorized by these tactics: I see you. I stand with you. And I won’t stop fighting until you’re safe.”

Minneapolis fatal ICE shooting

The backstory:

An ICE agent fatally shot 37-year-old Renee Nicole Good in Minneapolis on Wednesday morning.

Federal officials are claiming the agent acted in self-defense, but Minnesota leaders disagree. The shooting happened around 9:30 a.m. in the area of East 34th Street and Portland Avenue. The woman died at the hospital.

Witnesses told FOX Local that a woman got into a red vehicle and there was one ICE agent on either side of the vehicle trying to get in, and a third ICE agent came and tried to yank on the driver’s side door. One of the agents on the driver’s side door backed away, and then opened fire, shooting three times through the driver’s side window, witnesses said. One witness said the vehicle wasn’t moving toward the agents. However, federal officials said ICE officers were “conducting targeted operations” when “rioters” blocked officers. One of the “rioters weaponized her vehicle, attempting to run over law enforcement officers in an attempt to kill them.”

Officials said an ICE officer who was “fearing for his life” fired “defensive shots” to save himself and his officers, killing the woman.

A video of the shooting shows a red Honda Pilot blocking the roadway as an ICE squad approaches. When agents approach the vehicle, the Pilot attempts to drive away, moving towards an agent. When that happens, the agent fires three shots at the driver. Police say the driver was struck in the head. The agent appears to mostly avoid the vehicle as it speeds past and ends up crashing into a parked vehicle.

The Source: Information in this report comes from public statements made by Texas lawmakers on social media. Background comes from FOX 9 coverage in Minneapolis.

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Texas investigations into Charlie Kirk posts spark free-speech lawsuit

Published

1 day ago

January 7, 2026

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Texas investigations into Charlie Kirk posts spark free-speech lawsuit

A Texas teachers union has sued the state over what it said was a trampling of educators’ free speech rights when hundreds came under investigation for their comments after the killing of Charlie Kirk.

The Texas branch of the American Federation of Teachers filed the federal lawsuit against the Texas Education Agency and its commissioner Mike Morath on Jan. 6, the union said. The suit claims investigations into at least 350 teachers after Kirk’s death were “unlawful” and that a letter issued by Morath to superintendents around the state targeting “reprehensible and inappropriate content on social media” prompted punishment and retaliation against teachers.

Kirk, 31, was fatally shot on Sept. 10, 2025, while speaking at an event at Utah Valley University in Orem, Utah. The cofounder of Turning Point USA, a conservative youth-focused organization, Kirk was a close ally of President Donald Trump. Shooting suspect Tyler Robinson has been charged with his murder.

After Kirk’s death, a wave of backlash came in response to online posts condemning his views or otherwise criticizing him. Right-leaning public figures and prominent social media accounts called for firings of people whose posts they deemed inappropriate.

Morath’s letter on Sept. 12 directed superintendents to report “inappropriate conduct being shared” to the Texas Education Agency’s Educator Investigations Division, which investigates teachers for allegations of misconduct, the Texas AFT said in its suit, which was reviewed by USA TODAY. The union said teachers were investigated not for speech made in classrooms, but for posts made on their personal, often private social media pages.

“In the months since, the consequences for our members have run the gamut from written reprimands and administrative leave to doxxing and termination from their jobs,” AFT Vice President and Texas Chapter President Zeph Capo said at a news conference.

The Texas Education Agency didn’t immediately respond to a request for comment on Jan. 7.

Lawsuit claims teachers were disciplined for exercising free speech

The lawsuit filed by the Texas AFT claims that teachers in public schools have a constitutionally protected right to free speech, and that their speech in their personal capacity, such as on social media, is protected. The suit claims that teachers’ rights were violated when they were investigated or faced disciplinary action for their posts about Kirk. It also alleges that the policy to report teachers for “inappropriate” content was unfairly vague.

“These teachers were disciplined solely for their speech, without any regard to whether the posts disrupted school operations in any way,” the lawsuit reads.

Teachers whose cases are mentioned in the lawsuit were kept anonymous, Capo said, to protect them from further harassment. Many teachers are fearful to express any more opinions, effectively silencing their speech, he said.

One of the teachers, who made a post described in the lawsuit as one that “simply raised questions about the circumstances of Mr. Kirk’s death and did not promote violence in any way,” was shared by a lawmaker who used it as part of an election campaign and called for the teacher’s dismissal. The high school English teacher, who has taught for 27 years, was placed on administrative leave and later fired. She settled a wrongful termination claim with the school district, the lawsuit said.

Another teacher of 16 years and a military veteran who previously won “Teacher of the Year” in his school district and made posts criticizing Kirk for his views on Black Americans is under an ongoing investigation by the state agency, the lawsuit said.

“We denounced Charlie Kirk’s assassination, we denounced violence after Uvalde. We denounce violence,” said AFT President Randi Weingarten. “What happened in the next few days (after Kirk’s killing), wasn’t about violence or denouncing violence, it was about muzzling the expression of constitutionally protected nonviolent speech.”

Dozens lost jobs over posts about Kirk

In the wake of Kirk’s death in September, USA TODAY counted dozens of examples of people who lost their jobs, were suspended or investigated over posts or comments they made about the conservative podcaster, including educators, lawyers, doctors, first responders and others.

They include a dean at Middle Tennessee State, Laura Sosh-Lightsy, who was fired for a social media post saying she had “zero sympathy” for Kirk; a Marine who called Kirk a “racist man” who was “popped”; and Jimmy Kimmel, whose ABC show was temporarily suspended after he made comments about Kirk.

Some educators who lost their jobs filed lawsuits alleging their free speech rights were violated. A teacher in Iowa who compared Kirk to a Nazi; a South Carolina teacher’s assistant who posted a Kirk quote and said she disagreed with him but called the death a “tragedy”; and an employee of an Indiana university who said Kirk’s death was wrong and condemned some of his beliefs all filed suits on free speech, according to reporting from the USA TODAY Network. Each case kicked up a flurry of social media outrage and calls for the educators’ firings.

In Tennessee, a tenured theater professor at Austin Peay State University was reinstated after originally being fired for comments he made online after Kirk’s killing, the Tennessean, part of the USA TODAY Network, recently reported.

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