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NewsMySuncoast / WWSB (ABC Sarasota)June 24, 2026Florida

Florida Leads Nation in Lightning Damage Claims

Florida recorded the highest number of lightning-related property damage claims in the U.S. in 2025, with total insured damages reaching $186 million. National data shows a significant rise in both the frequency of claims and the average cost per claim due to inflation and increased electronics usage.

insurancelightningproperty damageFloridahome safety
Read the full story at MySuncoast / WWSB (ABC Sarasota)

Why It Matters

Florida homeowners face higher financial risks from lightning, with average claims reaching $36,000, highlighting the importance of reviewing insurance coverage and considering protective electrical systems.

Key Facts

  • Florida had 5,136 lightning-related property damage claims in 2025.
  • Total insured lightning damage in Florida reached $186 million in 2025.
  • The average lightning claim in Florida was nearly $36,000.
  • U.S. insurers paid $1.65 billion in lightning-related property damage claims in 2025.
  • National lightning claims increased by 59% compared to 2024.
  • The average U.S. lightning claim cost rose 42.8% to $26,616 in 2025.
  • Standard homeowners, condo, and renters insurance policies typically cover lightning damage to structures and personal property.
  • Many insurers offer the Ting electrical monitoring system at no cost to policyholders.
  • The Ting system includes up to $1,000 toward repair labor if a fire hazard is detected.

Who's Mentioned

locationFlorida“State with the highest number of lightning-related property damage claims”organizationInsurance Information Institute“Source of the research data on lightning claims”organizationWWSB“News outlet reporting the data”organizationWhisker Labs“Provider of the Ting electrical monitoring system”personMark Friedlander“Senior director of media relations for the Insurance Information Institute”