Hail & property damage statistics by state (Updated 2023)

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

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Kara McGinleySenior Editor & Licensed Home Insurance ExpertKara McGinley is a former senior editor and licensed home insurance expert at Policygenius, where she specialized in homeowners and renters insurance. As a journalist and as an insurance expert, her work and insights have been featured in Forbes Advisor, Kiplinger, Lifehacker, MSN, WRAL.com, and elsewhere.

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Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

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The occurrence of hail storms was up 15% in 2022, according to the National Oceanic and Atmospheric Administration (NOAA), with Texas, Nebraska, Minnesota, Kansas, and South Dakota recording the largest number of hail events. [1]

Unsurprisingly, hail damage is one of the leading causes of property loss in the U.S. In 2019, wind and hail damage made up 34.3% of property damage claims nationwide. [2]  

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.

Here’s a breakdown of hail damage and property loss across the country. 

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Hail and property damage by the numbers

$3.5 billion: The amount State Farm paid out for hail damage property claims in 2022, according to a March 2023 analysis [3]

$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 [4]

6.2 million: The estimated amount of U.S. properties that were affected by one or more hail events in 2020 [5]

192,988: The number of hail loss claims in Texas in 2019 [6]

4,436: The total amount of major hail events recorded by the NOAA in 2022 [7]

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

1 pound, 15 ounces: The weight of the largest hailstone in U.S. history, which fell in Vivian, South Dakota, in 2010 [8]

Top 10 states for hail loss claims 

Below is a list of the 10 states that had the most hail loss claims in 2019, according to the Insurance Information Institute. [9]

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

Collapse table

Shop homeowners insurance to protect your home from hail damage

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 at 1% to 10% of your dwelling coverage limit.

Let's take a look at an example.

Say you have a home insurance policy with a dwelling coverage 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 to cover the rest of repairs.

References

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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 oureditorial standards.

  1. Insurance Information Institute

    . "

    Facts + Statistics: Hail

    ." Accessed May 31, 2023.

  2. Insurance Information Institute

    . "

    Facts + Statistics: Homeowners and renters insurance

    ." Accessed July 08, 2022.

  3. State Farm Newsroom

    . "

    State Farm reports $1 BILLION increase in hail claim costs

    ." Accessed May 31, 2023.

  4. NOAA

    . "

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

    ." Accessed August 06, 2021.

  5. Verisk

    . "

    Hail Risk Assessment | Hail Risk Score| Hail Damage Score

    ." Accessed August 06, 2021.

  6. The Insurance Information Institute

    . "

    Facts + Statistics: Hail

    ." Accessed August 06, 2021.

  7. NOAA

    . "

    Severe Weather 101 - Hail Basics

    ." Accessed August 06, 2021.

Author

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

Editor

Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

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