Probability of Property Being Damaged by Hail (Annual)
1 in 149 (0.67%)
Annual probability in US
Approximately 1 in 149 insured homes experiences a hail damage claim each year, with the highest risk in central US states.
Hail causes more property damage than any other severe weather hazard in the United States, with annual insured losses regularly exceeding $10 billion. Based on insurance industry data, approximately 0.67% (1 in 149) of insured homes file a hail damage claim each year, though this varies enormously by location.
The highest-risk areas form a corridor through the central US including Texas, Oklahoma, Kansas, Nebraska, Colorado, and the Dakotas, where large hail (1 inch diameter or greater) occurs most frequently. Hailstones can reach the size of softballs (4.5 inches) and fall at speeds exceeding 100 mph, enough to destroy roofs, dent vehicles, and shatter windows.
Protection measures include impact-resistant roofing materials (Class 4 rated), parking vehicles in garages during storms, installing storm shutters, and maintaining adequate homeowner's insurance. After a hailstorm, inspect your roof promptly (hail damage may not be visible from the ground) and document any damage with photos for insurance claims. Many states in hail-prone areas require insurers to cover roof replacement after significant hail damage.
Use This in a Decision
Plug this probability into our expected value calculator to make a data-driven decision.
Start a Decision