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Prepare for Severe Storms: Insights from Mercury Insurance

As spring approaches, the United States braces for an increase in severe weather events, particularly thunderstorms, which often escalate to more destructive storms. From tornadoes and hail to high winds, these weather phenomena impact communities across the nation. In a call to action, Mercury Insurance encourages homeowners and vehicle owners to take preventive measures in anticipation of these storms.

Understanding the Severity

Approximately 100,000 thunderstorms occur annually in the U.S., with a concerning 10% transforming into severe storms. This statistic highlights the significance of being prepared, especially as Texas and Oklahoma prepare for peak tornado season from April to June. In 2025, Texas reported the highest number of tornadoes in the country—162 in total—followed closely by Illinois.

The threat posed by severe storms is real and immediate, with devastating consequences. A notable instance occurred near Houston in November 2025, when a single tornado wrecked over 100 homes, showcasing the destructive power of these severe weather patterns.

Severe storms don’t only affect the Plains; they also reach states like Georgia, where peak activity typically occurs from March to May, and Illinois, where the tornado season heightens from April to June. Interestingly, the Northeast also experiences significant tornado activity during the summer months, extending the severe weather season well into the year.

Taking Proactive Steps

Mercury Insurance suggests several steps that homeowners can take to prepare for potential damage due to severe weather:

1. Recognize Regional Risks

Texas - Hail Alley: Texas consistently sees a high volume of hail-related insurance claims. Homeowners are advised to:

• - Park vehicles in covered areas when severe weather is forecasted.
• - Inspect roofs and seal vulnerable areas to prevent damage.
• - Trim trees and secure loose outdoor items.

Midwest - Tornadoes and High Winds: These regions experience hazardous winds that can lead to structural damage. Key preparation steps include:

• - Reinforcing garage doors.
• - Securing outdoor furniture and equipment before storms arrive.
• - Reviewing wind coverage limits in insurance policies.

California - Atmospheric Rivers: In contrast to the Midwest and Southern storms, California is often affected by heavy rain and flooding, especially in regions recovering from wildfires. Suggested preparations include:

• - Clearing gutters and storm drains to avoid blockages.
• - Relocating vehicles to higher ground during flood watches.
• - Considering separate flood insurance, as standard homeowner policies typically exclude flood damage.

2. Vehicle Protection During Storms

Spring storms bring about unique risks for vehicles, including hail and flash flooding. Maintaining comprehensive insurance coverage is essential, as it typically protects against such damages. Mercury Insurance emphasizes the advantages of covered parking and staying informed about weather forecasts to minimize disruptions and financial burdens.

3. Importance of External Preparation

It is crucial to act before severe storms hit. The severity of storm-related losses has escalated due to rapid development in high-risk areas and the rising costs of materials and labor. Preventive measures can help mitigate these risks, such as:

• - Reducing claim costs.
• - Preventing additional water damage that could extend recovery efforts.
• - Shortening the time needed to bounce back after a storm.

Steve Bennett, Head of Climate and Catastrophe Science at Mercury Insurance, stresses that resilience is vital. He states, "Insurance aids families in recovering, but proactive measures are essential before any storm warnings are issued."

Conclusion

As we transition into storm season, taking preliminary actions can significantly reduce the impact of severe weather on homes and vehicles. With resources and safety tips readily available on the Mercury Blog, homeowners and drivers alike can proactively prepare and protect their property.

For more detailed information on storm preparation and insurance coverage, visit the Mercury Insurance website and stay informed about the best practices to safeguard your home and vehicles this spring.