Midwest & Tornado Alley
The hail corridor is tightening too — see who's still writing
Florida and California get the headlines. But across Illinois, Indiana, Ohio, Missouri and Tornado Alley, severe-convective-storm risk is repricing premiums fast — and almost nobody is telling agents and buyers about it. CoverGuard does.
43.5M
US properties with moderate-or-greater hail risk
Source: Cotality 2026 Severe Convective Storm Report
$17.8T
Reconstruction cost value at risk
Source: Cotality 2026 Severe Convective Storm Report
~$1.0T
"Chicago Anomaly" — most financially exposed US metro
Source: Cotality 2026 Severe Convective Storm Report
A third geographic narrative — beyond FL and CA
Premiums in the hail corridor are rising without the same crisis framing the coasts have had. CoverGuard makes the risk provable on every property.
- See severe-convective-storm (hail) exposure for any property, scored 0–100 alongside flood, fire, wind, earthquake and crime
- Know modeled carrier availability and binding activity for that ZIP at that risk profile — the signal no one else publishes
- Frame rising premiums for clients before they bid, with sourced public data — not marketing claims
- Works across the IL/IN/OH/MO corridor and Tornado Alley (KS/NE/OK/TX-N)
Corridor states
Most financially exposed metro in the country: Chicago — roughly $1.0T of reconstruction cost value at risk.
Source: Cotality 2026 Severe Convective Storm Report
Get ahead of the hail-corridor story
Screen any property for severe-convective-storm risk and carrier availability — in 90 seconds.