The 2023 tornado season is shaping up to be quite active, with nearly 200 tornadoes wreaking havoc across the country so far this year. Read on to find out what states historically experience the most twisters each year — and how to ensure your home insurance policy adequately covers you against tornado damage.
Top 5 states with the most tornadoes in 2023 so far
Over 170 tornadoes have hit the U.S. so far in 2023, according to data from the National Oceanic and Atmospheric Administration (NOAA).  Alabama has experienced the most tornadoes with 49 touching down in the state, followed by Georgia and Louisiana.
Here's a look at the top five states with the most tornadoes as of February 14, 2023:
Number of tornadoes in 2023
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Top 10 states with the most tornadoes in 2022
Mississippi experienced the most tornadoes in 2022, followed by Texas and Alabama. Here's a complete look at the number of tornadoes by state in 2022, according to the NOAA. 
What state has the most tornadoes on average?
Since 1997, Texas has averaged 135 tornadoes per year — the highest of any other state in the U.S., according to our analysis of data from the National Oceanic and Atmospheric Administration (NOAA).  It’s followed by Kansas with 91 annual tornadoes and Oklahoma with 75 twisters per year.
As you can see in the map above, the majority of tornadoes are concentrated in states throughout the Midwest and Southeast.
Of the average 1,375 tornadoes that occur in the U.S. each year, 75% of them form in states located in Tornado Alley and Dixie Alley — two regions with a disproportionately high number of tornadoes due to ideal twister-forming weather conditions that persist for long stretches of the year.
Tornadoes by state over the last 25 years
Here’s a complete breakdown of the average number of tornadoes per year in each state over the last 25 years.
Top 10 states with the most tornadoes
Here are the top 10 states with the most tornadoes annually over the last 25 years:
Does home insurance cover tornado damage?
Homeowners insurance covers tornado damage caused by wind and hail, fallen trees, and wind-driven rain. However, water damage from flooding that occurs during a twister would not be covered under your standard home insurance policy — you’ll need separate flood insurance for that.
The one exception is if you live in an area at high risk for wind damage — your home insurance policy might exclude coverage for wind and hail. In this case, you’ll need to purchase a separate wind-only policy to fill that coverage gap.
Do I need to pay a separate deductible for tornado damage?
Depending on your state and insurance company, you may have to pay a separate deductible on losses caused by wind and hail damage thanks to your separate windstorm insurance policy. Known as a wind/hail deductible, it can either be a flat-dollar amount or a percentage of your home’s dwelling coverage limit — usually between 1% and 5%.
You choose your deductible when you purchase your home insurance or windstorm insurance policy. A higher deductible leads to lower insurance rates, and vice versa.