美国强对流风暴造成的保险损失急剧上升，自2020年起每年平均达500亿美元。随著人工智慧蓬勃发展，大量高价值的运算基础设施逐渐集中在容易遭受暴雨、强风、冰雹与龙卷风侵袭的地区，进一步加剧了潜在的经济损失。

这些资料中心不仅建造与营运成本高昂，其户外冷却系统、太阳能板以及发电设施极易受到极端天气破坏，令保险公司在承保时面临巨大挑战。例如Nvidia与OpenAI近期在俄亥俄州推动的千亿美元资料中心计划，就邻近曾遭强烈风暴与冰雹侵袭的区域。

虽然目前资料中心因风暴受损的索赔金额尚算有限，但专家警告，由于新建超大型设施规模日益扩大且多位于高风险区，未来即使只是部分损毁或营运中断，也可能引发高达数亿美元的巨额理赔。

Insured losses from severe convective storms in the US have surged, averaging $50 billion annually since 2020. With the AI boom, vast amounts of high-value computing infrastructure are increasingly concentrated in areas prone to torrential rains, damaging winds, hail, and tornadoes, further exacerbating potential economic losses.

These data centers are not only expensive to build and operate, but their outdoor cooling systems, solar arrays, and power facilities are highly vulnerable to extreme weather, posing significant underwriting challenges for insurers. For example, Nvidia and OpenAI's recent hundred-billion-dollar data center project in Ohio is located near an area recently hit by severe storms and hail.

Although storm-related claims for data centers have been relatively limited so far, experts warn that as new hyperscale facilities grow in size and are often built in high-risk zones, even partial damage or prolonged operational interruptions could eventually trigger massive insurance claims amounting to hundreds of millions of dollars.