Texas
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.
Texas
Texas can require public schools to display Ten Commandments in classrooms, court rules
DALLAS — Texas can require the Ten Commandments to be displayed in public schools, a U.S. appeals court ruled Tuesday in a victory for conservatives who have long sought to incorporate more religion into classrooms.
The 9-8 decision by the 5th U.S. Circuit Court of Appeals delivered a boost to backers of similar laws in Arkansas and Louisiana. Opponents have argued that hanging the Ten Commandments in classrooms proselytizes to students and amounts to religious indoctrination by the government.
In a lengthy majority opinion, the conservative-leaning appeals court in New Orleans rejected those arguments in Texas, saying the requirement does not step on the rights of parents or students.
“No child is made to recite the Commandments, believe them, or affirm their divine origin,” the ruling says.
The American Civil Liberties Union and other groups that challenged the Texas law on behalf of parents said in a statement that they anticipate appealing the ruling to the U.S. Supreme Court.
“The First Amendment safeguards the separation of church and state, and the freedom of families to choose how, when and if to provide their children with religious instruction. This decision tramples those rights,” they said in the statement.
The mandate is one of several fronts in Texas that opponents have fought over religion in classrooms. In 2024, the state approved optional Bible-infused curriculum for elementary schools, and a proposal set for a vote in June would add Bible stories to required reading lists in Texas classrooms.
The decision over the Ten Commandments law reverses a lower federal court ruling that had blocked about a dozen Texas school districts — including some of the state’s largest — from putting up the posters. The Texas law signed by Republican Gov. Greg Abbott took effect in September, marking the largest attempt in the nation to hang the Ten Commandments in public schools.
From the start, the law was met almost immediately by a mix of embrace and hesitation in Texas classrooms that educate the state’s 5.5 million public school students.
The mandate animated school board meetings, spun up guidance about what to say when students ask questions, and led to boxes of donated posters being dropped on the doorsteps of campuses statewide. Although the law only requires schools to hang the posters if donated, one suburban Dallas school district spent nearly $1,800 to print roughly 5,000 posters.
Texas Attorney General Ken Paxton, a Republican, called the ruling “a major victory for Texas and our moral values.”
“The Ten Commandments have had a profound impact on our nation, and it’s important that students learn from them every single day,” he said.
Tuesday’s ruling comes after the appeals court heard arguments in January in the Texas case and a similar case in Louisiana. In February, the court cleared the way for Louisiana to enforce its law requiring the display of the Ten Commandments in classrooms.
Republican Louisiana Attorney General Liz Murrill said the Texas ruling “adopted our entire legal defense” of the law in her state. In Alabama, Republican Gov. Kay Ivey also signed a similar law earlier this month.
“Our law clearly was always constitutional, and I am grateful that the Fifth Circuit has now definitively agreed with us,” Murrill said in a statement posted to social media.
Judge Stephen A. Higginson, in a dissenting opinion joined by four others on the court, wrote that the framers of the Constitution “intended disestablishment of religion, above all to prevent large religious sects from using political power to impose their religion on others.”
“Yet Texas, like Louisiana, seeks to do just that, legislating that specific, politically chosen scripture be installed in every public-school classroom,” Higginson wrote.
The law says schools must put donated posters “in a conspicuous place” and requires the writing to be a size and typeface that is visible from anywhere in a classroom to a person with “average vision.” The displays must also be 16 inches wide and 20 inches tall.
Texas’ law easily passed the GOP-controlled Legislature and Republicans, including President Donald Trump, have backed posting the Ten Commandments in classrooms.
___
Associated Press writer Audrey McAvoy contributed to this report from Honolulu, Hawaii.
Texas
Glam influencer who drowned during Texas Ironman had battled flu but ignored pleas to ditch race
The glam influencer who drowned during a Texas Ironman swim had been battling the flu – but ignored pals who begged her to pull out of the brutal endurance race, according to one friend.
“She was ill before the trip, she wasn’t okay,” Luis Taveira said of close friend Mara Flávia, 38, who died during Saturday’s race in The Woodlands.
“My wife and I spoke with her to say she was too weak for this race, although a couple of days ago when we talked to her, she insisted she was okay,” Taveira said of the Brazil-born influencer, according to sports website the Spun.
“I still cannot believe what’s happened. She was ill because of the flu.”
Flávia continued “training hard” even while “weakened” by her illness, the friend said.
Just two days before the competition, Flávia shared a picture of herself in a pink swimming costume and cap sitting by the edge of a pool.
“Just another day at work,” she wrote in Portuguese.
Her Instagram account was peppered with snaps, showing her working out in a gym, by the pool, or running outdoors.
“Not every victory is photogenic, not every growth is pretty to watch. Sometimes evolving is being silent, stepping back, saying no, crying in the background, and coming back the next day more aware,” she said in one motivational post.

In others, she said that skill “only develops with hours and hours of work” and sport is “the best tool for transformation.”
The Ironman Texas competition features three legs — a 2.4-mile swim, a 112-mile bike ride, and a 26.2-mile run. The women’s event got underway just after 6:30 a.m. Saturday, with fire crews alerted around an hour later that there was a lost swimmer.
Flávia’s body was found around 9 a.m. in about 10 feet of water.
Officials have ruled her preliminary cause of death was drowning, and relatives have paid tribute.
Flávia’s sister, Melissa Araújo, said her sibling “lived life intensely” – and revealed a piece of her had vanished, People reported.
“You were always synonymous with determination, with courage — with a strength that seemed too vast to be contained within you,” she wrote on social media.
“You never did anything halfway; perhaps that is why you left such a profound mark on the lives of everyone who crossed your path.
“A piece of me is gone, and I will have to learn to live without it. And it hurts in a way I cannot even explain.
“It is a strange silence, a void I knew existed all along — as if the world itself had lost a little of its color.”
Flávia’s partner, Rodrigo Ferrari, described the swimmer as his “love” and said not waking up next to her was hard.
“Ursa, you were the best person I have ever met in my life,” he wrote in a note shared on social media.
Texas
Fitness influencer drowns during swimming portion of Ironman Texas
A Brazilian fitness influencer has died after getting into difficulty during the swimming portion of an ironman event in Texas.
Mara Flavia Souza Araujo was reported as a “lost swimmer” around 7.30am at the Ironman Texas in Lake Woodlands near Houston on Saturday. According to KPRC 2 News, safety crews could not immediately locate Araujo. The 38-year-old’s body was discovered around 90 minutes later in 10ft of water by divers. She was pronounced dead on the scene.
Montgomery County Sheriff’s Department confirmed her identity in a statement to NBC on Monday.
“MCSO can confirm that Mara Flavia Souza Araujo, 38, of Brazil died while competing in the Ironman event in The Woodlands on Saturday,” the sheriff’s department told NBC News. “Preliminary investigations indicate she drowned during the swimming portion of the event.”
Araujo was an experienced triathlete and had completed at least nine ironman events since 2018. She had more than 60,000 followers on Instagram and had posted about the importance of making the most out of life in the days before her death.
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“Enjoy this ride on the bullet train that is life,” she wrote in Portuguese. “And even with the speed of the machine blurring the landscape, look out the window – for at any moment, the train will drop you off at the eternal station.”
Organizers of the race expressed their condolences on Saturday.
“We send our deepest sympathies to the family and friends of the athlete and will offer them our support as they go through this very difficult time,” race organizers said in a statement on Saturday. “Our gratitude goes out to the first responders for their assistance.”
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