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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Related Topics:Featured Hail Risk migration Severe Weather Risk

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Texas

Frigid air moves across North Texas Sunday ahead of mid-week warmup

Published

8 hours ago

December 14, 2025

Press Room

Frigid air moves across North Texas Sunday ahead of mid-week warmup

Jeff Ray

Updated on: December 14, 2025 / 8:06 AM CST
/ CBS Texas

Yes, it was just two days ago that DFW enjoyed temperatures in the 70s. However, cold winds arrived overnight to push that December warmth away, and frigid arctic air took its place.

Coats, gloves and hats are needed if you head out to support your family or friends in the BMW Dallas Marathon on Sunday morning. Temperatures will start right around freezing with wind gusts around 25 mph.

Bitter cold wind chills are expected throughout the day.

It seems every other year that North Texas gets a winter start to the Dallas marathon. The race starts with mostly cloudy skies, but the skies will clear by Sunday afternoon.

Highs will top out in the low 40s – one of the colder days DFW has had so far this season.

Lows Sunday night dip down into the 20s for the first time at DFW since last February.

The cold air is not sticking around. North Texas will quickly warm up.

After the coldest morning so far this season on Monday, it will be back in the 70s by mid-week. It will also be near record highs by next weekend.

Long-range models show the warm air is lasting until Christmas.

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Texas

Why Texas A&M’s former Heisman winner was a generational dual-threat

Published

20 hours ago

December 13, 2025

Press Room

Why Texas A&M’s former Heisman winner was a generational dual-threat

On Saturday night, the 91st Heisman winner will be announced, as Indiana quarterback Fernando Mendoza, Ohio State quarterback Julian Sayin, Vanderbilt quarterback Diego Pavia, and Notre Dame running back Jeremiyah Love are the four finalists who will contend for the most prestigious award college football has to offer.

All four players led their teams to double-digit wins. At the same time, Mendoza and Sayin are headed to the College Football Playoff after Indiana’s Big Ten Championship win over the Buckeyes vaulted the Hoosiers to the No. 1-seed, receiving a first-round bye in the CFP.

For Texas A&M fans, former star quarterback Johnny Manziel, who won the program’s second Heisman Trophy after his historic 2012 redshirt freshman season, was back in the news after Bleacher Report revealed back-to-back rushing comparisons to Jeremiyah Love’s prolific 2025 rushing production, which led to him becoming a Heisman finalist.

Manziel threw for 3,706 yards and 26 touchdowns, while rushing for an incredible 1,410 yards and 21 touchdowns on 201 carries, averaging seven yards per carry. Love, whose entire job is running and catching the ball, ran for 1,372 yards and 18 touchdowns on 199 carries, averaging 6.9 yards per carry.

This takes nothing away from Jeremiyah Love’s incredible season, but is just another reason Johnny Manziel’s 2012 season is still regarded as the most outstanding Heisman-winning campaign, outside of former Auburn quarterback Cam Newton’s 2010 Heisman season.

After throwing for 2,932 yards and 25 touchdowns, Texas A&M star QB Marcel Reed did not make the Heisman finalist cut.

Contact/Follow us @AggiesWire on X (formerly Twitter) and like our page on Facebook to follow ongoing coverage of Texas A&M news, notes and opinions. Follow Cameron on X: @CameronOhnysty.

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Texas

2025-26 college football bowl game schedule, scores, TV channels, times

Published

1 day ago

December 13, 2025

Press Room

2025-26 college football bowl game schedule, scores, TV channels, times

Here’s the complete college football bowl schedule for the 2025-26 season, which begins Saturday, Dec. 13. Games continue through the College Football Playoff title game on Monday, Jan. 19.

This article will continue to be updated as bowl games go final.

2025-26 college football bowl game schedule, scores, TV channels, matchup information

(all times ET)

Saturday, Dec. 13

Celebration Bowl
South Carolina State vs. Prairie View A&M
12 p.m. | ABC
Mercedes-Benz Stadium
Atlanta, Georgia

LA Bowl
Boise State vs. Washington
8 p.m. | ABC
SoFi Stadium
Inglewood, Calif.

Tuesday, Dec. 16

Salute to Veterans Bowl
Troy vs. Jacksonville State
9 p.m. | ESPN
Cramton Bowl
Montgomery, Ala.

Wednesday, Dec. 17

Cure Bowl
Old Dominion vs. South Florida
5 p.m. | ESPN
Camping World Stadium
Orlando, Fla.

68 Ventures Bowl
Louisiana vs. Delaware
8:30 p.m. | ESPN
Hancock Whitney Stadium
Mobile, Ala.

Thursday, Dec. 18

Xbox Bowl
Arkansas State vs. Missouri State
9 p.m. | ESPN2
Ford Center
Frisco, Texas

Friday, Dec. 19

Myrtle Beach Bowl
Kennesaw State vs. Western Michigan
11 a.m. | ESPN
Brooks Stadium
Conway, S.C.

Gasparilla Bowl
Memphis vs. NC State
2:30 p.m. | ESPN
Raymond James Stadium
Tampa, Fla.

College Football Playoff First Round Game
No. 8 Oklahoma vs. No. 9 Alabama
8 p.m. | ESPN, ABC
Memorial Stadium
Norman, Okla.

Saturday, Dec. 20

College Football Playoff First Round Game
No. 7 Texas A&M vs. No. 10 Miami (Fla.)
12 p.m. | ESPN, ABC
Kyle Field
College Station, Texas

College Football Playoff First Round Game
No. 6 Ole Miss vs. No. 20 Tulane
3:30 p.m. | TNT, HBO Max, truTV
Vaught-Hemingway Stadium
Oxford, Miss.

College Football Playoff First Round Game
No. 5 Oregon vs. No. 24 James Madison
7:30 p.m. | TNT, HBO Max, truTV
Autzen Stadium
Eugene, Ore.

Monday, Dec. 22

Famous Idaho Potato Bowl
Washington State vs. Utah State
2 p.m. | ESPN
Albertsons Stadium
Boise, Idaho

Tuesday, Dec. 23

Boca Raton Bowl

New Orleans Bowl
Western Kentucky vs. Southern Miss
5:30 p.m. | ESPN
Caesars Superdome
New Orleans, La.

Frisco Bowl
UNLV vs. Ohio
9 p.m. | ESPN
Ford Center at The Star
Frisco, Texas

Wednesday, Dec. 24

Hawai’i Bowl
Cal vs. Hawai’i
8 p.m. | ESPN
Clarence T.C. Ching Athletics Complex
Honolulu, Hawai’i

Friday, Dec. 26

GameAbove Sports Bowl
Central Michigan vs. Northwestern
1 p.m. | ESPN
Ford Field
Detroit, Mich.

Rate Bowl
New Mexico vs. Minnesota
4:30 p.m. | ESPN
Chase Field
Phoenix, Ariz.

First Responder Bowl
FIU vs. UTSA
8 p.m. | ESPN
Gerald J. Ford Stadium
Dallas, Texas

Saturday, Dec. 27

Military Bowl
Pitt vs. East Carolina
11 a.m. | ESPN
Navy-Marine Corps Memorial Stadium
Annapolis, Md.

Pinstripe Bowl
Clemson vs. Penn State
12 p.m. | ABC
Yankee Stadium
Bronx, N.Y.

Fenway Bowl
UConn vs. Army
2:15 p.m. | ESPN
Fenway Park
Boston, Mass.

Pop-Tarts Bowl
No. 12 BYU vs. No. 22 Georgia Tech
3:30 p.m. | ABC
Camping World Stadium
Orlando, Fla.

Arizona Bowl
Miami (Ohio) vs. Fresno State
4:30 p.m. | The CW Network
Arizona Stadium
Tucson, Ariz.

New Mexico Bowl
No. 25 North Texas vs. San Diego State
5:45 p.m. | ESPN
University Stadium
Albuquerque, N.M.

Gator Bowl
Missouri vs. No. 19 Virginia
7:30 p.m. | ABC
EverBank Stadium
Jacksonville, Fla.

Texas Bowl
LSU vs. No. 21 Houston
9:15 p.m. | ESPN
NRG Stadium
Houston, Texas

Monday, Dec. 29

Birmingham Bowl

Tuesday, Dec. 30

Independence Bowl
Coastal Carolina vs. Louisiana Tech
2 p.m. | ESPN
Independence Stadium
Shreveport, La.

Music City Bowl
Tennessee vs. Illinois
5:30 p.m. | ESPN
Nissan Stadium
Nashville, Tenn.

Alamo Bowl
No. 16 USC vs. TCU
9 p.m. | ESPN
Alamodome
San Antonio, Texas

Wednesday, Dec. 31

ReliaQuest Bowl
No. 23 Iowa vs. No. 14 Vanderbilt
12 p.m. | ESPN
Raymond James Stadium
Tampa, Fla.

Sun Bowl
Arizona State vs. Duke
2 p.m. | CBS
Sun Bowl
El Paso, Texas

Citrus Bowl
No. 13 Texas vs. No. 18 Michigan
3 p.m. | ABC
Camping World Stadium
Orlando, Fla.

Las Vegas Bowl
Nebraska vs. No. 15 Utah
3:30 p.m. | ESPN
Allegiant Stadium
Las Vegas, Nev.

College Football Playoff Quarterfinal
No. 2 Ohio State vs. No. 7 Texas A&M/No. 10 Miami (Fla.) winner
7:30 p.m. | ESPN , WatchESPN
AT&T Stadium (Cotton Bowl)
Arlington, Texas

Thursday, Jan. 1

College Football Playoff Quarterfinal
No. 4 Texas Tech vs. No. 5 Oregon/No. 24 James Madison winner
12 p.m. | ESPN, WatchESPN
Hard Rock Stadium (Orange Bowl)
Miami Gardens, Fla.

College Football Playoff Quarterfinal
No. 1 Indiana vs. No. 8 Oklahoma/No. 9 Alabama winner
4 p.m. | ESPN, WatchESPN
Rose Bowl (Rose Bowl)
Pasadena, Calif.

College Football Playoff Quarterfinal
No. 3 Georgia vs. No. 6 Ole Miss/No. 20 Tulane winner
8 p.m. | ESPN, WatchESPN
Caesars Superdome (Sugar Bowl)
New Orleans, La.