US weather disaster costs neared record high in 2025. Here's why.

US weather disaster costs neared record high in 2025. Here's why.

It was another catastrophic year for weather disasters in the United States.

The LA wildfires in January 2025 ‒ at $61.2 billion, the costliest fire outbreak in US history ‒ helped push the nation's "billion-dollar disasters" to a near record last year, even without a single landfalling hurricane, according to a new report released Jan. 8.

Overall, the nation suffered a staggering 23 separate weather and climate disasters in 2025, each of which cost over $1 billion in damages. According to the report, 2025 ranks as the third-highest year (after 2023 and 2024) for billion-dollar weather and climate disasters — with 23 such events costing a total of $115 billion in damages.

Severe weather accounted for a record 21 billion-dollar disasters in 2025 — concentrated in a series of spring and summer tornado outbreaks and severe thunderstorms across the central U.S., said the report, which was prepared by Climate Central, a non-profit climate science organization.

A haboob comes into Chandler, Ariz. on Aug. 25, 2025. An evening lightning storm lights up the skies near the Sanibel Causeway in Southwest Florida on Saturday, Aug. 16, 2025. Lightning strikes over downtown Phoenix during a monsoon storm on Aug. 13, 2025. Clouds and sunset in Sarasota, Florida, on Aug. 6, 2025. Lightning strikes over the Dragon Bravo Fire burning on the North Rim of the Grand Canyon on July 15, 2025. Hikers reach the summit of Piestewa Peak during sunrise as record-breaking heat of 118 degrees is predicted in Phoenix on July 9, 2025. Phoenix is the fifth-largest city in the United States and the hottest metropolis. The shoreline reflects a lightning bolt as an afternoon thunderstorm moves over Daytona Beach. The National Lightning Safety Council encourages people to head indoors after hearing the first clap of thunder. Lightning illuminates the skies over Pine Island, Florida on Wednesday, June 25, 2025. Recent storms have moved in bringing with them rain and lightning. Photographed from the Sanibel Causeway from a distance. There were storms over the ocean over Memorial Day weekend. On Saturday night, May 24, 2025, eerie blue lights could be seen near the shore in Cocoa Beach with lightning lighting the sky behind them. The blue glows turned out to be lights on the mast of a sailboat anchored just offshore, maybe to avoid the storms. NHRA top fuel drivers Clay Millican (left) and Tony Stewart race as a dust storm approaches the track during qualifying for the Route 66 Nationals at Route 66 Raceway in Joliet, Il. On May 16, 2025. Lightning moves across the sky over the McKenzie River near Hayden Bridge in Springfield, Ore. Tuesday, July 16, 2024. The sun rises behind a surfer at JP Luby Beach on Saturday, July 6, 2024, in Corpus Christi, Texas. The national weather service has issued a hurricane watch for the Coastal Bend as Tropical Storm Beryl travels across the Gulf. Lightning strikes behind Papago Park in Phoenix during a monsoon thunderstorm on Aug. 8, 2024. A dust storm moves across the East Valley in Phoenix as a monsoon storm approaches on Aug. 22, 2024. The sun rises over the destroyed Fort Myers Beach pier as Hurricane Milton approaches Florida on Wednesday, Oct. 9, 2024. The town is empty as most residents have evacuated. A double rainbow appears over Reno, Nev. on Feb. 4, 2025. Michael Hagerty is silhouetted as the sun begins to break through the clouds over West Dennis Beach, Mass. Monday morning, Feb. 10, 2025. Hagerty is from Portsmouth, New Hampshire, and West Dennis and was out on the beach cross country skiing on the crunchy snow. High winds blow massive amounts of dirt and sand through the windmills where the Whitewater River flows when there is rain just west of Indian Canyon Dr. in Palm Springs, Calif., Feb. 11, 2025. Sunset blazes over downtown Des Moines, Iowa on Tuesday, Oct. 29, 2024. Olympic athletes train on the Charles River the evening before the start of the Head of the Charles Regatta rowing event, Thursday, Oct. 17, 2024. Pablo Rodriguez of Sleepy Hollow and his children Justin. 13, and Mateo, 7, fish under storm clouds at the Tarrytown, N.Y. waterfront Aug. 6, 2024. With heavy rains forecasted for overnight and into tomorrow, the National Weather Service has issued a flood warning for the Lower Hudson Valley from 2 p.m. Tuesday to noon Wednesday. Lightning strikes behind a RNC 2024 Milwaukee flag display on the opening day of the Republican National Convention on Monday July 15, 2024 in Milwaukee, Wis. Waves crash against the lighthouse at the entrance to the harbour during Storm Nelson, in Les Sables-d'Olonne, western France, on March 28, 2024. Lightning strikes in front of the Superstition Mountains as a storm approaches the East Valley on March 18, 2024. Water rushes over the Paterson Great Falls National Historical Park in Paterson, NJ on Friday Dec. 22, 2023. Mist from the falls created hazardous ice conditions and an opportunity for people to take photos. The landmark Kuwait Towers and other skyscrapers pierce through the cloud cover over Kuwait City on December 10, 2023. Lightning illuminates the skies over Tempe as seen from an apartment complex on Broadway Road on Aug. 31, 2023. Beachgoers check out the surf as Hurricane Idalia approaches Florida at Times Square on Fort Myers Beach on Tuesday, Aug. 29, 2023. Heat lightning in the clouds rolling in over the Banana River and the Thousand Islands in Cocoa Beach, Fla. after dusk are captured in this 30 second exposure on Aug. 14, 2023. The first dust storm of the monsoon season rolls over Camelback Mountain in Paradise Valley on July 17, 2023. Monday was the 18th day in a row of temperatures 110 degrees or more which tied the record from 1974. Football fans evacuate Kinnick Stadium as a bolt of lightning flashes overhead during a weather delay in the third quarter of Iowa's non-conference NCAA football game against Nevada on Saturday, Sept. 17, 2022, in Iowa City, Iowa. Lightning strikes as rain falls. Lightning strikes behind Camelback Mountain as rain falls during a monsoon storm on July 16, 2022. Lightning from a monsoon thunderstorm illuminates the sky behind the Phoenix Sky Harbor control tower on June 29, 2022. Bands of rain fall over the McDowell Mountains in Scottsdale during a monsoon storm on June 26, 2022. Colder temperatures created ice pancakes on Lake Ontario in Rochester, N.Y. on Thursday, Jan. 13, 2022.   The Charlotte Pier was also ice covered, retaining the form of the waves that crashed over the pier. An aerial view shows a snow covered landscape on a sunny winter day of Jan. 6, 2022, near Winterberg, western Germany. Monday evening thunder storms  moving in from the west brought an incredible lightning show to the Space Coast. A single 20 second exposure captured numerous bolts over the Thousand Islands in Cocoa Beach, Fla. A bolt of lightning crosses the sky as people look at buildings displaying a light show on the eve of the 100th anniversary of the Chinese Communist Party in Beijing on June 30, 2021. Lightning breaks through the clouds over agricultural fields in South Oxnard, Calif. late Monday, October 4, 2021 as an hours-long storm swept through Ventura County. Lightning sparks in the sky atop of the of the empty Beira Rio stadium in Porto Alegre, Brazil, before the start of the closed-door Copa Libertadores football match between Brazil's Internacional and Argentina's Boca Juniors on December 2, 2020. The skies over the west side were ablaze in color looking down Ontario Avenue, Sunday, Aug. 9, 2020, following rains in Sheboygan, Wis. A view of ESPN Wide World Of Sports Complex during a lightning storm following a game between the Phoenix Suns and Milwaukee Bucks at The Field House on Aug. 10, 2020 in Lake Buena Vista, Fla. Maximilian Krauss of SpVgg Unterhaching controls the ball while a massive shelf cloud rolls in during the 3. Liga match between SpVgg Unterhaching and FC Carl Zeiss Jena at Alpenbauer Sportpark on July 01, 2020 in Unterhaching, Germany. Overall view of a shelf cloud with a lightning bolt from a tornado warned supercell thunderstorm on May 19, 2020 in Ulysses, Ks. Lightning crackles across the sky above a windmill along the railroad tracks in Merkel, Texas Thursday May 21, 2020. More storms are predicted for Memorial Day weekend, and later into the week beyond. Lightning  strikes behind the chapel of Panagia Gorgona in the village of Skala Sykamias, north of Lesbos, on Feb. 27, 2020. Lghtening strikes on a building during a thunderstorm in Bangkok on Oct. 27, 2019. Lightning strikes over Tempe Town Lake,  Tempe, Ariz. during a storm on Aug. 28, 2019. Storm clouds are illuminated by the setting sun as lightning strikes near Maricopa, Ariz. on Aug. 28, 2019. Lightnings flash over the Saint-Michel Basilica during a storm in Bordeaux, southwestern France, on July 6, 2019. ( Snow covers the saguro cacti and palm trees near Carefree, Ariz. Feb. 21, 2019. A dust storm moves towards Wells Fargo Arena in Tempe on Aug. 9, 2016. Lightning streaks across the desert sky over the McDowell Mountains near Scottsdale, Ariz. during a monsoon storm on July 15, 2017. Families and volunteers such for family papers and valuables among the debris in Beauregard, Ala., following a deadly tornado, March 7, 2019.

Lightning, tornadoes and wild storms: Incredible weather photos

In 2025, Climate Central began to oversee the "billion-dollar disaster" database, taking it over from the federal government. This followed the Trump administration's decision to no longer run the database, which had been overseen by the National Oceanic and Atmospheric Administration.

What are the main takeaways from the 2025 disaster list?

According to Adam Smith, a senior climate impacts scientist at Climate Central, "2025 was part of a continuing trend of an elevated risk for weather and climate extremes across many parts of the country," he told USA TODAY via email.

In addition, he said 2025 was the highest cost year without a billion-dollar hurricane event making landfall. Also, 2025 was also the first year on record with a billion-dollar wildfire as the costliest event of the year.

"The average interval between these costly events has narrowed to less than two weeks, compared to months between events in previous decades," Smith said. "This shift reflects increasing exposure and vulnerability, as well as the growing influence of climate change on certain types of hazards."

Firefighters are pictured spraying water on a burning home during the Eaton Fire in Altadena, California.

How much of a factor was climate change in these disasters last year, overall?

Smith told USA TODAY that "attribution studies are done to examine this very question for individual events. However, the broad scientific consensus is that climate change is increasing the frequency and intensity of many types of extreme and severe weather."

Overall, since 1980, the U.S. has sustained 426 billion-dollar disasters, with a total cost exceeding $3.1 trillion, Climate Central said.

This map shows the approximate location for each of the 23 separate billion-dollar weather and climate disasters that impacted the United States from January-December of 2025.

Isn't the rise in disaster costs over the decades due primarily to us having more 'stuff' in the way?

Smith said that the increase in disaster costs is driven by greater exposure and vulnerability to extreme events, as well as by certain hazard types becoming more frequent or intense due to the influence of climate change.

"The rise in disaster costs is a human-made problem. Trends in where we decide to live and how we build make communities more vulnerable to these extremes," he said. "But we cannot overlook the impact from human-caused climate change increasing the intensity and frequency of some types of extreme events."

Annual number of billion-dollar disasters that impacted the U.S. since 1980.

Why did Climate Central take over the billion-dollar database?

The billion-dollar disaster analysis is vital for demonstrating the economic impact of extreme weather and climate events in inflation-adjusted dollars, Smith said, and in helping communicate the real-world consequences of climate change to communities, decision-makers, and the public.

"This dataset was simply too important to stop being updated. Demand for its revival came from every aspect of society, including decision-makers, the private sector, academia, and local communities," he told USA TODAY.

According to Climate Central, as the new steward of this critical resource, Climate Central is committed to maintaining the scientific rigor and methodological standards established by NOAA while enhancing the dataset's utility for climate communication and public understanding of climate risks.

Additionally, although a useful resource, a weather event that may have killed many people (such as the July 4 Texas flooding that killed at least 137 people) but didn't approach the $1 billion total would not appear in this database.

To rectify this, "This year, we are developing a series of expansions to the historic 1980–present analysis to incorporate smaller-threshold events down to $100 million," Smith said. "This approach is intended to capture a wider range of impacts."

Doyle Rice is a national correspondent for USA TODAY, focusing on weather and climate.

This article originally appeared on USA TODAY:US weather disaster costs topped $100 billion in 2025. Here's why.

 

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