Just one anecdote. We lived through the deracho in Iowa, one of the places hardest hit. Huge swaths of the city was without power for weeks. In our house, in the middle of the most damage, was without power for under 24 hours. That's a massive difference. I don't know how much the calculations take into account physical damage versus all up damage including lost productivity. But many of the folks working at the local company were back "in the office" working from home because the business was without power far longer than most of the employees. I have no idea how the overall damages are calculated.