根据气候风险模型公司 First Street 的一项新研究，强烈对流风暴（SCS）——例如龙卷风、冰雹与强风——现在对房屋所有权人构成的威胁已超过飓风与洪水。在 2025 年，这些风暴的保险理赔金超越了气旋的理赔金，使其成为全球成本最高的已保险自然灾害。First Street 首席经济学家 Jeremy Porter 指出，此类事件已成为保险公司与资产所有权人的首要关注焦点。

这些强烈对流风暴造成的财务损失相当巨大，过去 25 年来全球保险理赔总额高达 7940 亿美元。根据 First Street 基于风险管理顾问公司 Aon 数据的发现，这 7940 亿美元的数字超过了同期洪水、地震与干旱造成的全球损失总和。

在 2025 年，强烈对流风暴产生了全球所有与自然灾害相关的经济损失的三分之一。这些风暴造成的已保险与未保险财务损失总额达到 820 亿美元，超过了任何其他自然灾害类别。在这些庞大的全球损失中，有 680 亿美元高度集中在美国境内，代表了经济冲击中极高比例的份额。

According to a new study by climate risk modeling firm First Street, severe convective storms (SCS)—such as tornadoes, hail, and powerful winds—now pose a greater threat to homeowners than hurricanes and floods. In 2025, insurance payouts from these storms surpassed those from cyclones, making them the costliest insured natural disasters globally. First Street chief economist Jeremy Porter noted that such events have become a top priority for insurance companies and asset owners.

The financial toll of these intense convective storms is substantial, with global insurance payouts over the past 25 years totaling 794 billion dollars. According to First Street, which based its findings on data from risk management consulting firm Aon, this 794 billion dollar figure exceeds the combined global losses from flooding, earthquakes, and droughts over the same period.

In 2025, severe convective storms generated one-third of all global economic losses related to natural disasters. Total insured and uninsured financial losses from these storms reached 82 billion dollars, which was more than any other natural disaster category. Of these massive global losses, 68 billion dollars were heavily concentrated within the United States, representing a highly disproportionate share of the economic impact.