Severe weather events have already caused nearly $2 billion in insured losses throughout Missouri this year, according to the state’s Department of Commerce and Insurance (DCI).
“The insurance industry continues to respond and assist Missourians as they rebuild and repair their property,” stated DCI Director Angela Nelson. “Almost $1.6 billion has already been paid by insurers due to catastrophic weather events in Missouri this year, with projections of what will ultimately be paid by the insurance industry currently exceeding $1.8 billion.”
As part of its regulatory oversight, the Department issued a formal data call to assess the insurance industry’s response to this year’s catastrophic storms.
To date, 235 insurance companies have responded, representing approximately 99 percent of Missouri’s residential property insurance market.
As of July 16, 2025, insurers have received over 173,000 claims for residential property, renters, and condominium owners, as well as auto insurance policies.
Insurers paid out $1.6 billion for catastrophic weather-related claims statewide. Of that amount, $1.3 billion (approximately 81 percent) was paid out on homeowners’ claims.
Nearly $1.8 billion is projected to be paid by insurers for catastrophic weather-related losses, with $1.5 billion (approximately 83 percent) projected to be related to homeowners’ claims.
The May 16 St. Louis storms and tornadoes resulted in widespread damage, with insurers projecting that $330 million in claims will ultimately be paid for this storm. An estimated $298 million (91.5 percent) of this projection is expected to be paid for residential property losses alone.
As of July 16, 2025, insurers have received nearly 9,000 insurance claims resulting from this single weather event.
Nearly $208 million has been paid across all lines of insurance (residential property, renters, and comprehensive personal auto). Of this total, $182 million (approximately 88percent) has been paid specifically for residential property claims.
Based on publicly available estimates of total property losses in St. Louis of nearly $1.6 billion, this data appears to support the DCI’s earlier estimates of a high percentage of uninsured properties in the path of the May 16th tornado.