Hail and property damage statistics by state

Hail is one of the most common causes of roof and property damage. Fortunately, homeowners insurance covers hail damage in most scenarios.

Kara McGinley

By

Kara McGinley

Kara McGinley

Senior Editor & Licensed Home Insurance Expert

Kara McGinley is a senior editor and licensed home insurance expert at Policygenius, where she writes about homeowners and renters insurance. As a journalist and as an insurance expert, her work and insights have been featured in Kiplinger, Lifehacker, MSN, WRAL.com, and elsewhere.

Updated|2 min read

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money.

Hail damage is one of the leading causes of property loss in the United States. In fact, in 2019 wind and hail damage made up 34.3% of property damage claims nationwide. [1]  

Homeowners insurance covers hail damage, but depending on the state where you live, you may be required to pay a separate wind and hail deductible when you file a claim.

No matter the specifics of your policy, home insurance is vital financial protection against damage from hail, which is all too common in the U.S. Here’s a breakdown of hail damage and property loss across the country. 

Hail and property damage by the numbers

6.2 million+: The estimated amount of U.S. properties that were affected by one or more hail events in 2020 [2]

192,988: The number of hail loss claims in Texas in 2019 [3]

$3.1 billion+: The amount State Farm paid out for hail damage property claims in 2020, according to an April 2020 analysis [4]

4,611: The total amount of major hail events in Texas, South Dakota, Kansas, Oklahoma, and Nebraska in 2020 [5]

$1.2 billion: The estimated amount of property loss to homes, businesses, and vehicles after a series of Texas hail storms in April 2021, according to the NOAA [6]

1% to 10%: Percentage of your dwelling coverage limit that your wind and hail deductible is based on

1lb 15oz: The weight of the largest hailstone in U.S. history, which fell in Vivian, South Dakota in 2010 [7]

Ready to shop home insurance?

Start calculator

Top 10 states for hail loss claims 

Below is a list of the ten states that had the most hail loss claims in 2019, according to the III.

State

Number of hail loss claims in 2019

Texas

192,988

Colorado

69,742

Nebraska

56,897

Kansas

50,737

Minnesota

49,973

Illinois

47,798

Missouri

33,976

North Carolina

25,026

Iowa

19,744

Indiana

18,404

What to know about wind and hail claims

In states that experience frequent hailstorms— like the ones listed above — you’ll likely be required to pay a separate deductible for wind and hail loss. Wind and hail deductibles are usually more expensive than your standard deductible. 

You typically have the option of setting your wind and hail deductible as 1% to 10% of your dwelling coverage limit. That means if you have a dwelling limit of $250,000 and your wind and hail deductible is 5%, you’ll have to pay $12,500 out of pocket before your insurer kicks in the rest for repairs.

References

dropdown arrow

Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of our

editorial standards.
  1. Insurance Information Institute

    . "

    Facts + Statistics: Homeowners and renters insurance

    ." Accessed July 08, 2022.

  2. Verisk

    . "

    Hail Risk Assessment | Hail Risk Score| Hail Damage Score

    ." Accessed August 06, 2021.

  3. The Insurance Information Institute

    . "

    Facts + Statistics: Hail

    ." Accessed August 06, 2021.

  4. State Farm

    . "

    2020 Hail Damage - More than $3.1 Billion Paid on 2020 Hail Damage Claims

    ." Accessed August 06, 2021.

  5. NOAA

    . "

    U.S. Billion-Dollar Weather & Climate Disasters 1980-2021

    ." Accessed August 06, 2021.

  6. NOAA

    . "

    Severe Weather 101 - Hail Basics

    ." Accessed August 06, 2021.

Author

Senior Editor & Licensed Home Insurance Expert

Kara McGinley

Senior Editor & Licensed Home Insurance Expert

gray linkedin icon link

Kara McGinley is a senior editor and licensed home insurance expert at Policygenius, where she writes about homeowners and renters insurance. As a journalist and as an insurance expert, her work and insights have been featured in Kiplinger, Lifehacker, MSN, WRAL.com, and elsewhere.

Questions about this page? Email us at .