Providing its annual report of hail-related claims, State Farm said that it paid out $5.6 billion nationally for such claims in 2025, and $1.4 billion in Texas alone.
The giant insurer’s report on hail claims includes a list of the top 10 states based on payment dollars. Comparing the list to a similar list for 2024 reveals that State Farm’s payouts for Texas hail claims jumped more than 27% year-over-year, with the countrywide total growing about 12%.
Rounding out the top three states, State Farm paid 10% more claim dollars for hail-related damage in 2025 than 2024 for the state of Missouri, which now has the second-highest total, while paying 28% less for hail-related claims in Illinois. Illinois moved down to a third-place rank from a second-place spot on the 2024 list.
Hail-related claims were less concentrated in 2025, with the top 10 states accounting for about three-quarters of the nationwide total payouts ($4.2 billion of the $5.6 billion). In 2024, the top 10 states represented more than 80% of the total ($4.0 billion for the top 10, compared to $5 billion for the entire nation).
Wisconsin, Kentucky, Arkansas and Indiana were included in the top 10 in 2025 but not on the list in 2024, with total dollars at least doubling for the first three states. The states with the lowest level of hail claim payouts on the 2024 top 10 list—Iowa and South Carolina—each made that list with $109 million in claims paid by State Farm for hail.
Oklahoma in the Spotlight
Another hail-prone state on both the 2025 and 2024 top 10 lists—Oklahoma—saw a 21% drop in claims payouts for hail from State Farm, even though Oklahoma now has the fifth-highest total of State Farm payouts, climbing up from sixth place in 2024. State Farm recently highlighted its payouts of hail and wind claims in Oklahoma as it acknowledged media and legal scrutiny of its handling of roof claims in the Sooner State.
Putting the two-year total Oklahoma payout for both perils at over $1 billion, State Farm pointed specifically to an NBC Nightly News report about a lawsuit filed by an Oklahoma couple (Hursh v. State Farm) over two denied claims that they allege are part of a secret bad-faith scheme that is rigged against insureds. Nightly News also reported last month that Attorney General Gentner Drummond filed a motion to intervene in the case in December, which was appealed by State Farm and is awaiting final judgment from the state Supreme Court. (Source: NBC Nightly News, March 11, 2026, “Oklahoma lawsuit alleges State Farm cheats homeowners“)
State Farm acknowledged that “media reports and lawsuit allegations frame individual claim disputes as evidence of a broader, intentional effort to underpay or deny wind and hail roof claims.” This is an “accusation we take seriously and strongly reject.”
“This coverage is shaping public perception at a time when many homeowners are already stressed by storm damage, rising repair costs, and higher premiums.”
