根據氣候風險模型公司 First Street 的一項新研究，強烈對流風暴（SCS）——例如龍捲風、冰雹與強風——現在對房屋所有權人構成的威脅已超過颶風與洪水。在 2025 年，這些風暴的保險理賠金超越了氣旋的理賠金，使其成為全球成本最高的已保險自然災害。First Street 首席經濟學家 Jeremy Porter 指出，此類事件已成為保險公司與資產所有權人的首要關注焦點。

這些強烈對流風暴造成的財務損失相當巨大，過去 25 年來全球保險理賠總額高達 7940 億美元。根據 First Street 基於風險管理顧問公司 Aon 數據的發現，這 7940 億美元的數字超過了同期洪水、地震與乾旱造成的全球損失總和。

在 2025 年，強烈對流風暴產生了全球所有與自然災害相關的經濟損失的三分之一。這些風暴造成的已保險與未保險財務損失總額達到 820 億美元，超過了任何其他自然災害類別。在這些龐大的全球損失中，有 680 億美元高度集中在美國境內，代表了經濟衝擊中極高比例的份額。

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.