According to the Insurance Information Institute, Georgia was the top state for lightning claims in 2013. The state had an estimated 11,184 claims paid to policyholders, totaling $56 million.

Texas, however, had the highest average cost per claim at $8,436, according to an analysis of homeowners insurance data by the I.I.I. and State Farm.

See related article, “Lighting Losses Fell for Insurers in 2013, But Average Claim More than Double Since 2004,” for more analysis.

Source: Insurance Information Institute