Hail and property damage statistics

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

Property and Casualty Insurance Expert

Kara McGinley is an insurance editor at Policygenius, specializing in home, auto, and renters insurance. She's been writing about insurance since 2019, and her work and insights have been referenced in Kiplinger and WRAL.com.

Published August 6, 2021|2 min read

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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. 

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 [1]

192,988: The number of hail loss claims in Texas in 2019 [2]

$3.1 billion+: The amount State Farm paid out for hail damage property claims in 2020, according to an April 2020 analysis [3]

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

$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 [5]

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 [6]

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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.

StateNumber of hail loss claims in 2019
Texas192,988
Colorado69,742
Nebraska56,897
Kansas50,737
Minnesota49,973
Illinois47,798
Missouri33,976
North Carolina25,026
Iowa19,744
Indiana18,404

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.