Average Residential Roof Replacement Costs Rose 33% In 2025
Residential roof losses continued to grow more expensive in 2025, even as overall claims volume declined nearly 20 percent, according to the 2026 Verisk U.S. Roof Report.
Verisk said average U.S. residential roof replacement costs reached $17,631 in 2025, a 33 percent increase over the four-year average from 2021 through 2024. Average roof repair costs rose to $4,699, a 25 percent increase over the same four-year average.
The report found that everyday wind and hail events, including many storms that fall below catastrophe thresholds, continued to drive higher roof claim severity.
Taken together, Verisk said the findings show that roof risk is becoming more expensive and less predictable, even in years with fewer overall claims.
Lower Storm Activity Reduced Total Replacement Cost Value
Residential roof replacement cost value declined to $23 billion in 2025, compared with an average of $24.4 billion from 2021 to 2024.
Verisk attributed the decline to a limited U.S. landfall hurricane season. However, the report said the replacement cost value remained elevated despite reduced storm activity.
Roofing claims also remain a significant part of the property claims environment. According to Verisk, roofing line items represent about 30 percent of all line items within claims estimates, making roof trends an important indicator of broader property claims trends.
Verisk’s Roof Condition Score® 2025 baseline data found that roofs visibly in moderate to poor condition show approximately 60 percent higher loss costs than roofs in good or excellent condition.
Hail Risk Remains Widespread But Uneven
Severe hail, defined as hail greater than or equal to 1 inch in diameter, remains the dominant weather-related roof threat across much of the United States.
According to Verisk Weather Solutions Respond® data, severe hail activity in 2025 was concentrated in the Central Plains. In prior years, the Northern and Southern Plains had been more heavily affected.
Arkansas, Kansas, Nebraska, Oklahoma and South Dakota ranked among the top states by the share of roofs impacted by severe hail.
Verisk also found that:
- Sixteen states experienced severe hail impacts on more than 20 percent of roofs in 2025, up from twelve states in 2024.
- “Giant” hail, defined as hail greater than or equal to 2 inches, tends to follow more stable geographic patterns from year to year.
- “Large” hail, defined as 1 to 2 inches, shows wider metro-level volatility, with hundreds of local markets experiencing meaningful year-to-year increases in hail activity.
“Hail risk is not just about one monster storm; it’s the cadence of frequent, smaller-scale events that can rapidly age and weaken a roof,” said Tory Farney, vice president, Verisk Weather Solutions. “Large hail may cause less damage per event than giant hail, but its wider footprint and year to year variability can drive unexpected concentrations of damage. Understanding where hail is most likely to cluster helps insurers, contractors and communities prepare for faster, more resilient recovery.”
Northeast Has Highest Share Of Older Roofs
Verisk Roof Age® data showed significant regional differences in roof age and materials.
The Northeast had the highest share of older residential roofs, with 18 percent of roofs 31 years or older. The Midwest followed closely, with 17 percent of roofs in that age category. By comparison, only 4 percent of roofs in the South were 31 years or older.
Verisk reported the following regional roof age distribution:
| Region | Roofs 0–4 Years Old | Roofs 31 Years Or Older |
|---|---|---|
| South | 28% | 4% |
| Midwest | 21% | 17% |
| Northeast | 14% | 18% |
| West | 20% | 11% |
The report also found that hail exposure affects roof replacement cycles. In Verisk Risk Analyzer®-designated hail states, 57 percent of residential properties have roofs nine years old or newer, compared with 38 percent in non-hail states.
“Accurately assessing roof age, condition and remaining life is a critical part of understanding a property’s vulnerability to wind and hail,” said Ryan D’Amario, senior vice president of property product management at Verisk. “Aerial imagery analytics reveal that, as of 2025, 38 percent of U.S. residential homes show moderate to poor roof condition—often with visible defects that can materially influence performance during severe weather. When more than a third of the housing stock falls into this category, roof condition becomes a core underwriting signal that has meaningful implications for risk selection, loss predictability and pricing accuracy.”
Roofing Material Costs Outpaced Labor Costs
Verisk said inflation in roofing materials continued to outpace labor costs in 2025, although national averages masked significant state-by-state variation.
Roofer labor costs increased 0.79 percent in 2025, while roofing material costs rose 1.48 percent.
The report noted sharp regional differences in material pricing. Roofing material costs increased 10.37 percent in Nevada in 2025, while declining 15.80 percent in New Hampshire.
Verisk said the 2026 U.S. Roof Report draws on its property, claims and weather analytics to help the insurance, construction and housing industries understand where roof risk is shifting and what is driving loss severity.
The full report can be accessed on the Verisk website.
