In the final two weeks of 2022, an arctic high-pressure system, guided by a south-bound polar jet stream, pushed frigid air across Canada and the U.S., reaching the Gulf Coast region. The combination of widespread freezing temperatures, strong winds and extensive precipitation exceeded forecasters’ expectations.

Hundreds of winter weather alerts were issued, and 60% of the U.S. population was affected by Winter Storm Elliott.

The impact was significant. At least 69 deaths in the U.S. have been attributed to the storm to date, of which 38 perished in the historical blizzard conditions in Buffalo, New York.

The U.S. insured losses are estimated to be $5.4 billion across the 42 states affected by the storm, according to the catastrophic modeling firm Karen Clark & Co.

The havoc caused by Winter Storm Elliott is a stark reminder of the power of nature and the exposure the winter season can bring.