What state has the most tornadoes?

The states with the most tornadoes are Texas, Kansas, and Oklahoma. States with high tornado stats usually pay $600 or more per year for homeowners insurance. Also, if you live in a "tornado alley" state, you could pay twice as much the average comprehensive insurance rate. But you can secure affordable insurance rates by shopping around and comparing multiple companies.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Dec 17, 2021

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The Rundown

  • Texas is the worst state for tornadoes
  • States with more tornadoes have more expensive car and home insurance rates
  • Comprehensive car insurance is highly recommended in states known for tornadoes

Did you know frequently inclement weather affects car and homeowners insurance? Tornadoes are the culprit behind more expensive rates in states with higher chances of storms.

But what state has the most tornadoes per year? Don’t worry — we’re here to answer your questions.

Our guide explores which states have the most tornadoes per year and how tornadoes affect insurance in states with higher tornado statistics.

Read on to learn how you can brace yourself for expensive rates in a state known for tornadoes. If you’re looking for shelter against the storm of high prices, enter your ZIP code in the online quote to compare multiple insurance companies near you.

What state has the most tornadoes?

Texas is the worst state for tornadoes, followed by Kansas, Oklahoma, and Florida. But what about the other states?

Let’s look at an extensive list that shows the tornado statistics of all states in the United States. Use the search box in the top right-hand corner to quickly find your state.

Latest U.S. Tornado Stats
StatesAverage Annual Tornadoes
Texas151
Kansas91
Oklahoma68
Florida60
Nebraska55
Illinois54
Iowa52
Alabama50
Mississippi50
Colorado49
Missouri47
Louisiana44
Minnesota42
Arkansas38
Georgia34
North Carolina31
North Dakota31
South Dakota30
Indiana28
Tennessee28
Kentucky25
South Carolina24
Wisconsin24
Ohio22
Virginia19
Pennsylvania18
Michigan15
Wyoming12
New Mexico11
California10
New York10
Maryland9
Montana9
Arizona5
Idaho5
New Jersey3
Oregon3
Utah3
Washington3
West Virginia3
Connecticut2
Maine2
Massachusetts2
Nevada2
Delaware1
Hawaii1
New Hampshire1
Vermont1
Alaska0
Rhode Island0
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Include Nebraska, Illinois, Iowa, Alabama, and Mississippi in the list of states that are known for higher than tornadoes per year.

Which state has the most tornadoes per square mile?

Although Kansas ranks second in the most tornadoes in the United States, it has more tornadoes per square mile.

In other words, tornadoes cover a wider area per square mile in the state of Kansas.

Which state has the fewest tornadoes?

Tornadoes don’t affect every state in the nation. Some areas don’t see any tornadoes at all.

Here are the states that have little to no tornadoes.

  • Rhode Island
  • Alaska
  • Vermont
  • New Hampshire
  • Hawaii
  • Delaware
  • Nevada
  • Massachusetts
  • Maine
  • Connecticut

Seven of these states are located in the northeastern portion of the United States. Although those states don’t see tornadoes as much, they encounter complications from tropical storms and hurricanes.

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How do tornadoes impact car insurance rates?

The more tornadoes you have in your area, the higher your comprehensive auto insurance rates.

Tornadoes cause damage related to the terms of comprehensive insurance rules.

In comprehensive car insurance, your insurance company covers damage from incidents that don’t involve a collision.

And tornadoes cause devastation, which blows objects onto your vehicle. Also, flooding and lightning could occur at the same time.

Auto insurance companies anticipate the cost of damage and drive up rates to offset possible expenses from tornado damage.

How much is comprehensive car insurance?

Comprehensive auto insurance varies for each state, but states with more weather-related incidents usually pay more.

So do Texas and Kansas have the most expensive comprehensive coverage rates? Let’s see.

NAIC's Average Monthly Comprehensive Car Insurance Rates by State
StatesAverage Monthly Comprehensive Rates
*Industry Average$13
Alabama$14
Alaska$12
Arizona$16
Arkansas$17
California$8
Colorado$17
Connecticut$11
Delaware$11
District of Columbia$19
Florida$11
Georgia$14
Hawaii$9
Idaho$10
Illinois$11
Indiana$11
Iowa$16
Kansas$21
Kentucky$12
Louisiana$19
Maine$9
Maryland$13
Massachusetts$12
Michigan$13
Minnesota$16
Mississippi$18
Missouri$16
Montana$21
Nebraska$20
Nevada$10
New Hampshire$9
New Jersey$11
New Mexico$15
New York$15
North Carolina$11
North Dakota$20
Ohio$10
Oklahoma$20
Oregon$8
Pennsylvania$13
Rhode Island$11
South Carolina$16
South Dakota$24
Tennessee$13
Texas$19
Utah$10
Vermont$11
Virginia$12
Washington$9
West Virginia$18
Wisconsin$12
Wyoming$23
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Texas is the 11th most expensive state despite having over 150 tornadoes in the past year. However, Kansas ranks fourth.

Do tornadoes affect home insurance rates?

Yes, they do. Home insurance covers wind and hail damage, but tornado damage isn’t covered under standard home insurance if you live in the “tornado alley.”

According to AccuWeather, the “tornado alley” is a list of states in the Midwest region of the United States that frequently encounter tornadoes.

The states in the “tornado alley” are Texas, Oklahoma, Kansas, Nebraska, Missouri, Iowa, and South Dakota. Some parts of Minnesota and North Dakota are also included.

If you live in these states, you’ll have to add windstorm coverage to your home insurance policy to cover damage from tornadoes. And additional coverage means more expensive homeowners insurance rates.

How much is tornado coverage?

Tornado coverage (or windstorm insurance) is $600 more than average. Therefore, a “tornado alley” resident could pay $142 per month for windstorm coverage.

What’s the best home insurance company for tornadoes?

If you’re not sure which companies are best for windstorm damage, don’t worry. We found four insurance companies that are the best overall.

  • Lemonade
  • Amica
  • Farmers
  • Nationwide

Are you not interested in more prominent companies? Try a regional company. Picking a company that deals specifically with residents in the “tornado alley” area may be more beneficial than a national company.

Can tornadoes increase health insurance rates?

No, it doesn’t. While it’s unclear whether tornados impact health insurance rates, it’s unlikely that tornadoes affect your health insurance.

Tornadoes usually cause more property damage than bodily injury, but injuries can occur during and after a tornado has passed.

What State Has the Most Tornadoes: The Bottom Line

States with most tornadoes usually have higher comprehensive car insurance rates. Auto insurance discounts can lower your rates, but your overall insurance rate is determined by the company that has your policy.

Expect to pay more for home insurance, also. If you live in a “tornado alley” state, your home insurance rates are more expensive.

We recommend adding windstorm damage to fully protect your finances if you have a tornado.

Now that you know more about states with the most tornadoes, use our free online quote tool to compare multiple insurance companies in your area.

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Frequently Asked Questions: What state has the most tornadoes?

Hopefully, you learned a lot about tornadoes and insurance. But if you’re interested in learning more, check out these answers to frequently asked questions to find out more.

#1 – How expensive is tornado insurance?

You could pay $1,700 a year for tornado insurance.

#2 – Does Georgia have any tornadoes?

Yes, it does. Georgia had 30 tornadoes in 2021.

#3 – Can liability car insurance pay for tornado damage?

No, it can’t. Liability insurance pays for damage and bodily injury that you caused.

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