What state has the most tornadoes?
Make informed insurance decisions in states prone to tornadoes. Learn how tornadoes impact insurance rates and coverage. Find the best insurance options by comparing quotes from multiple companies. Enter your zip code to get started and ensure you're adequately protected against tornado damage. Take control of your insurance today and gain peace of mind in high-risk tornado states.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
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UPDATED: Sep 16, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 16, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Curious about tornado-prone states and their impact on insurance rates? Wondering, “What state has the most tornadoes?” Look no further. This comprehensive article delves into the states with the highest tornado frequency and how it affects insurance costs.
- Texas is the worst state for tornadoes
- States with more tornadoes have more expensive car and home insurance rates
- Comprehensive car insurance is highly recommended in states known for tornadoes
Explore topics like tornado statistics, comprehensive car insurance rates, home insurance coverage, and more. To ensure you have the best insurance protection at the most competitive rates, enter your zip code and compare quotes from top insurance providers.
What state has the most tornadoes?
Texas is the worst state for tornadoes, followed by Kansas, Oklahoma, and Florida. But what about the other states?
Let’s look at an extensive list that shows the tornado statistics of all states in the United States. Use the search box in the top right-hand corner to quickly find your state.
Latest U.S. Tornado Stats
| States | Average Annual Tornadoes |
|---|---|
| Texas | 151 |
| Kansas | 91 |
| Oklahoma | 68 |
| Florida | 60 |
| Nebraska | 55 |
| Illinois | 54 |
| Iowa | 52 |
| Alabama | 50 |
| Mississippi | 50 |
| Colorado | 49 |
| Missouri | 47 |
| Louisiana | 44 |
| Minnesota | 42 |
| Arkansas | 38 |
| Georgia | 34 |
| North Carolina | 31 |
| North Dakota | 31 |
| South Dakota | 30 |
| Indiana | 28 |
| Tennessee | 28 |
| Kentucky | 25 |
| South Carolina | 24 |
| Wisconsin | 24 |
| Ohio | 22 |
| Virginia | 19 |
| Pennsylvania | 18 |
| Michigan | 15 |
| Wyoming | 12 |
| New Mexico | 11 |
| California | 10 |
| New York | 10 |
| Maryland | 9 |
| Montana | 9 |
| Arizona | 5 |
| Idaho | 5 |
| New Jersey | 3 |
| Oregon | 3 |
| Utah | 3 |
| Washington | 3 |
| West Virginia | 3 |
| Connecticut | 2 |
| Maine | 2 |
| Massachusetts | 2 |
| Nevada | 2 |
| Delaware | 1 |
| Hawaii | 1 |
| New Hampshire | 1 |
| Vermont | 1 |
| Alaska | 0 |
| Rhode Island | 0 |
Include Nebraska, Illinois, Iowa, Alabama, and Mississippi in the list of states that are known for higher than tornadoes per year.
Which state has the most tornadoes per square mile?
Although Kansas ranks second in the most tornadoes in the United States, it has more tornadoes per square mile.
In other words, tornadoes cover a wider area per square mile in the state of Kansas.
Which state has the fewest tornadoes?
Tornadoes don’t affect every state in the nation. Some areas don’t see any tornadoes at all.
Here are the states that have little to no tornadoes.
- Rhode Island
- Alaska
- Vermont
- New Hampshire
- Hawaii
- Delaware
- Nevada
- Massachusetts
- Maine
- Connecticut
Seven of these states are located in the northeastern portion of the United States. Although those states don’t see tornadoes as much, they encounter complications from tropical storms and hurricanes.
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How do tornadoes impact car insurance rates?
The more tornadoes you have in your area, the higher your comprehensive auto insurance rates.
Tornadoes cause damage related to the terms of comprehensive insurance rules.
In comprehensive car insurance, your insurance company covers damage from incidents that don’t involve a collision.
And tornadoes cause devastation, which blows objects onto your vehicle. Also, flooding and lightning could occur at the same time.
Auto insurance companies anticipate the cost of damage and drive up rates to offset possible expenses from tornado damage.
How much is comprehensive car insurance?
Comprehensive auto insurance varies for each state, but states with more weather-related incidents usually pay more.
So do Texas and Kansas have the most expensive comprehensive coverage rates? Let’s see.
NAIC's Average Monthly Comprehensive Car Insurance Rates by State
| States | Average Monthly Comprehensive Rates |
|---|---|
| *Industry Average | $13 |
| Alabama | $14 |
| Alaska | $12 |
| Arizona | $16 |
| Arkansas | $17 |
| California | $8 |
| Colorado | $17 |
| Connecticut | $11 |
| Delaware | $11 |
| District of Columbia | $19 |
| Florida | $11 |
| Georgia | $14 |
| Hawaii | $9 |
| Idaho | $10 |
| Illinois | $11 |
| Indiana | $11 |
| Iowa | $16 |
| Kansas | $21 |
| Kentucky | $12 |
| Louisiana | $19 |
| Maine | $9 |
| Maryland | $13 |
| Massachusetts | $12 |
| Michigan | $13 |
| Minnesota | $16 |
| Mississippi | $18 |
| Missouri | $16 |
| Montana | $21 |
| Nebraska | $20 |
| Nevada | $10 |
| New Hampshire | $9 |
| New Jersey | $11 |
| New Mexico | $15 |
| New York | $15 |
| North Carolina | $11 |
| North Dakota | $20 |
| Ohio | $10 |
| Oklahoma | $20 |
| Oregon | $8 |
| Pennsylvania | $13 |
| Rhode Island | $11 |
| South Carolina | $16 |
| South Dakota | $24 |
| Tennessee | $13 |
| Texas | $19 |
| Utah | $10 |
| Vermont | $11 |
| Virginia | $12 |
| Washington | $9 |
| West Virginia | $18 |
| Wisconsin | $12 |
| Wyoming | $23 |
Texas is the 11th most expensive state despite having over 150 tornadoes in the past year. However, Kansas ranks fourth.
Do tornadoes affect home insurance rates?
Yes, they do. Home insurance covers wind and hail damage, but tornado damage isn’t covered under standard home insurance if you live in the “tornado alley.”
According to AccuWeather, the “tornado alley” is a list of states in the Midwest region of the United States that frequently encounter tornadoes.
The states in the “tornado alley” are Texas, Oklahoma, Kansas, Nebraska, Missouri, Iowa, and South Dakota. Some parts of Minnesota and North Dakota are also included.
If you live in these states, you’ll have to add windstorm coverage to your home insurance policy to cover damage from tornadoes. And additional coverage means more expensive homeowners insurance rates.
How much is tornado coverage?
Tornado coverage (or windstorm insurance) is $600 more than average. Therefore, a “tornado alley” resident could pay $142 per month for windstorm coverage.
What’s the best home insurance company for tornadoes?
If you’re not sure which companies are best for windstorm damage, don’t worry. We found four insurance companies that are the best overall.
- Lemonade
- Amica
- Farmers
- Nationwide
Are you not interested in more prominent companies? Try a regional company. Picking a company that deals specifically with residents in the “tornado alley” area may be more beneficial than a national company.
Can tornadoes increase health insurance rates?
No, it doesn’t. While it’s unclear whether tornados impact health insurance rates, it’s unlikely that tornadoes affect your health insurance.
Tornadoes usually cause more property damage than bodily injury, but injuries can occur during and after a tornado has passed.
What State Has the Most Tornadoes: The Bottom Line
States with most tornadoes usually have higher comprehensive car insurance rates. Auto insurance discounts can lower your rates, but your overall insurance rate is determined by the company that has your policy.
Expect to pay more for home insurance, also. If you live in a “tornado alley” state, your home insurance rates are more expensive.
We recommend adding windstorm damage to fully protect your finances if you have a tornado.
Now that you know more about states with the most tornadoes, use our free online quote tool to compare multiple insurance companies in your area.
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Frequently Asked Questions
Does Georgia have any tornadoes?
Yes, it does. Georgia had 30 tornadoes in 2021.
What other states are prone to tornadoes?
Other states that are frequently affected by tornadoes include Texas, Kansas, Nebraska, and South Dakota, among others.
How can I protect myself and my property from tornado damage?
Some ways to protect yourself and your property from tornado damage include having a safe room or shelter, reinforcing your home’s structure, securing loose objects outdoors, and staying informed and aware of severe weather alerts and warnings.
Does homeowners insurance cover tornado damage?
Yes, most standard homeowners insurance policies provide coverage for tornado damage. However, it’s important to review your policy and make sure you have adequate coverage for your specific needs.
Can I purchase additional insurance to cover tornado damage?
Yes, you may be able to purchase additional coverage or endorsements to your homeowners insurance policy to provide extra protection against tornado damage. Talk to your insurance agent to learn more about your options.
How expensive is tornado insurance?
You could pay $1,700 a year for tornado insurance.
Are renters protected against tornado damage?
Yes, renters can purchase renters insurance that provides coverage for tornado damage to their personal property.
Can liability car insurance pay for tornado damage?
No, it can’t. Liability insurance pays for damage and bodily injury that you caused.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.