‘A storm every eight days’: Claims triple to country’s biggest insurer

New Zealand storm frequency has increased significantly, with a storm hitting the country every eight days on average over the last year, causing insurance claims to more than triple.

Rising Insurance Claims and Severe Weather

Data from a Wild Weather Tracker revealed that over 33,000 claims were filed covering wind, flood, and rain damage. The most severe event occurred during the October 2025 storm in Southland, where ferocious winds toppled power lines and trees, prompting a state of emergency.

More than 5,000 people lodged claims through AMI, State, and NZI, the three insurance brands underwritten by IAG.

Shifting Climate Patterns

An increasing number of severe weather events are now occurring during the spring and summer months, suggesting a shift in overall climate patterns. IAG climate spokesperson Bryce Davies noted that storms are happening more frequently and with greater severity than in the past.

A nationwide survey indicated that public awareness is growing. The number of respondents who have taken active steps to protect their homes against natural hazards doubled since a 2022 survey, increasing from 40 to 805.

Psychological Impact and Systemic Needs

The increase in weather volatility has had a psychological toll, with nearly 60% of survey respondents reporting storm-related anxiety. Furthermore, 75% of New Zealanders expressed a desire for increased investment in managing these risks.

Calls for a Systemic Response to New Zealand Storm Frequency

Industry leaders are calling for a move away from ad hoc responses toward a coherent national system for managing natural hazard risks. Davies emphasized the need for focused efforts on hotspots, updated planning laws, and improved guidance for councils.

Insurance Council chief executive Kris Faafoi has also highlighted the need for greater government urgency regarding the funding of climate adaptation to ensure insurance remains available to as many people as possible.