Frozen Pipes Drive $628 Million in State Farm Water Damage Losses

New claims data from State Farm underscores the financial impact of winter-related water damage, particularly losses tied to frozen and burst pipes. From January 2024 through June 2025, the insurer handled more than 20,000 non-tenant homeowner claims linked to freezing conditions, paying over $628 million in total losses. The average closed claim exceeded $30,000, reflecting both extensive structural damage and rising repair costs.

The claims included damage from frozen pipes, burst plumbing, foundation and slab failures, and secondary water intrusion caused by prolonged freezing. Illinois, Oregon, Washington, Texas, and Tennessee accounted for the highest total paid losses, showing that freeze exposure is not limited to traditionally cold-weather states. Sudden cold snaps in moderate climates continue to catch homeowners unprepared, often worsening damage before mitigation begins.

For adjusters, frozen pipe losses frequently involve multi-room water damage affecting drywall, flooring, electrical systems, fixtures, and personal property. These claims often extend over weeks or months due to drying time, material shortages, contractor availability, and code upgrade issues. Ice dams add another layer of complexity, driving roof leaks, insulation saturation, and mold concerns that expand scope and increase dispute potential.

The prevention guidance outlined in the report mirrors many post-loss findings adjusters document, including inadequate insulation, unsealed air leaks, inactive winterization, and homeowner misunderstanding of fire sprinkler implications when shutting off water. The data reinforces the value of loss control education, early mitigation, and clear documentation when freeze-related damage escalates quickly from a minor event into a large-loss claim.