JEFFERSON CITY, Mo — The Missouri Department of Commerce and Insurance (DCI) continues to closely monitor the insurance industry’s response to severe weather events that have caused significant damage throughout the state this year.
“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 years’ catastrophic storms. To date, 235 insurance companies have responded, representing approximately 99 percent of Missouri’s residential property insurance market. This data provides the DCI with a comprehensive understanding of the financial impact on Missourians and the insurance system.
2025 Year-to-Date Catastrophic Weather Impact
In total, as of July 16, 2025, insurers have:
- Received over 173,000 claims on residential property, renters and condo owners and auto insurance policies.
- Paid out $1.6 billion for catastrophic weather-related claims statewide.
- Of that amount, $1.3 billion (approximately 81%) was paid for residential property policies.
Projections for 2025 indicate:
- Nearly $1.8 billion is expected to ultimately be paid by insurers for catastrophic weather-related losses.
- $1.5 billion (approximately 83%) of those projected payments are attributed to residential property insurance.
Financial Impact of the May 16 St. Louis Weather Event
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 that total, $182 million (approximately 88%) has been paid specifically for residential property claims.
Insurers are currently projecting that $330 million in claims will ultimately be paid for the May 16 storm:
- $298 million (91.5%) of this projection is expected to be paid just for residential property losses.
- 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.
Note: For both statewide and St. Louis specific data, these projections are preliminary and may vary as additional claims data becomes available.
DCI Assistance to Impacted Missourians
The Department provides assistance to Missourians every day as they work through their recovery process which includes the process of filing claims and navigating the insurance landscape.
“As responsive as the insurance industry has been, there are still circumstances where problems can arise in a claim. That is why the DCI is here,” Director Angela Nelson said. “We exist to ensure insurance companies comply with Missouri law and deliver on the promises they made under the insurance policy. Our Consumer Affairs Division has and will continue to help resolve claims issues – but Missourians need to contact us if they’re encountering problems.”
So far in 2025, the Consumer Affairs Division has:
- Engaged with over 1,650 Missourians in person and on-site at numerous Multi-Agency Resource Centers (MARCs) and Disaster Assistance Centers (DACs).
- Managed over 11,000 phone calls and 11,500 emails from consumers requesting assistance with their insurance claim or insurance company.
- Successfully recovered over $9.5 million on behalf of Missouri consumers by mid-year.
DCI experts remain on-call, ready to address questions related to claims and other insurance topics, demonstrating the Department's commitment to protecting and serving the residents of Missouri during challenging times. They can be reached by calling the Consumer Hotline at 800-726-7390. Consumers can also visit insurance.mo.gov for more information and resources.
DCI is charged with protecting Missouri consumers through the oversight of the insurance industry, banks, credit unions, utilities, and various professional licensees operating in the state. For more information about the department, please visit our website at dci.mo.gov.