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Ok so the source, https://www.ncei.noaa.gov/access/billions/time-series/US says,

"tornado outbreaks, high wind, hailstorms"

So most of this cost is roof damage. Which is an area rife with insurance fraud and getting worse.

Roof damage fraud ... my understanding is the insured has roof damage, takes a payment from the insurance company but does not repair roof, next storm comes along: roof damage again!

Easy enough I think to solve.

The main problem is (a) the cost of roofers has gone up significantly, (b) as a country we switched from more durable forms of roofing like slate to cheap forms that are harder to repair and easier to damage, like asphalt shingles, and (c) the roofing industry is now full of bad actors committing near-insurance fraud.

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