HAZARD
Hail
Large hail stones from severe thunderstorms can puncture roofs, dent siding, and break windows.
FEMA National Risk Index & Ready.gov (reviewed) · reviewed 2026-07-10
What raises the risk
- Location in hail-prone regions, particularly the Great Plains and areas with frequent supercell thunderstorms.
- Exposed roof and siding materials that are more vulnerable to impact damage.
- Proximity to atmospheric instability patterns that spawn large hail during warm months.
How to prepare
- Inspect your roof annually for damage; consider impact-resistant shingles if hail is frequent in your area.
- Park vehicles in a garage or under shelter during severe weather watches and warnings.
- Review your homeowners policy for hail coverage; confirm roof deductibles and any hail exclusions.
Insurance
Hail damage is usually covered by standard homeowners insurance, but policies vary. Verify roof deductibles (often higher for hail) and check for any region-specific hail exclusions. A licensed insurance agent can clarify your specific coverage.
Where hail risk rates highest
Covered US counties with the highest FEMA Hail risk score (a national percentile):
- Maricopa County, AZ100
- Dallas County, TX100
- Tarrant County, TX100
- Bexar County, TX100
- Collin County, TX100
- St. Louis County, MO100
- Hennepin County, MN100
- Oklahoma County, OK100
General information, not insurance or financial advice. Risk varies by specific property — confirm your coverage and needs with a licensed professional.
