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Quick answer: The US recorded 5,432 hail events in 2025, per NOAA’s Storm Prediction Center. Hail and other severe convective storms drove more than $51 billion in insured losses — the third straight year above $50 billion. Texas, Kansas, and Oklahoma lead the nation in hail frequency.
Hail is the most underrated catastrophe in US property insurance. It rarely makes national headlines the way hurricanes do, yet it now drives losses on par with major hurricanes in many years. This page pulls together the 2026-current figures journalists, adjusters, and homeowners ask for most: how often hail strikes, where it hits hardest, what it costs, and which storms top the record books.
All figures are rounded and vary by region, roof size, material, and policy terms. Every number below is attributed to a named source — NOAA, the Insurance Information Institute, Verisk, Cotality, State Farm, and RMIIA — and reflects the most recent full-year data available as of 2026.
The US Recorded 5,432 Hail Events in 2025, Up From 2024
The US logs roughly 4,500 to 5,500 confirmed hail events a year, and 2025 sat near the top of that range. NOAA’s National Weather Service Storm Prediction Center counted 5,432 hail events in 2025, edging past the 5,373 recorded in 2024.
A better gauge of damage is hail days. The country saw 142 days with damaging hail in 2025 — seven more than 2024 and well above the 20-year average of about 122 days.
| Metric (US) | 2024 | 2025 |
|---|---|---|
| Reported hail events (NOAA SPC) | 5,373 | 5,432 |
| Days with damaging hail | 135 | 142 |
| 20-year average hail days | — | ~122 |
The takeaway: hail frequency is holding at an elevated level, and the number of damaging hail days is trending above its long-run norm. NOAA’s Storm Events Database, which feeds these counts, is the primary public record both insurers and the National Weather Service rely on.
Hail Helped Drive More Than $51 Billion in Insured Losses in 2025
Hail is the single largest contributor to “severe convective storm” losses — the insurance category that bundles hail, straight-line wind, and tornadoes. In 2025, those storms caused more than $51 billion in US insured losses, according to the Insurance Information Institute (Triple-I).
That marked the third consecutive year above $50 billion — a threshold the category had never crossed before 2023.
| Year | US severe convective storm insured losses |
|---|---|
| 2023 | ~$60 billion |
| 2024 | ~$51 billion |
| 2025 | ~$51 billion |
Cotality (formerly CoreLogic) found that hail losses now rival those from major hurricanes in many years. In 2025, hailstones two inches or larger struck more than 600,000 homes, representing roughly $177 billion in replacement-cost value at risk. The reason the category keeps setting records is not only more storms, but more homes, higher rebuild costs, and aging roofs in the storm path.
Texas Led Every State With 902 Hail Events in 2025
When ranked by raw hail frequency, the central US dominates — and Texas is in a class of its own. NOAA data compiled by Triple-I put Texas at 902 hail events in 2025, more than double the next-ranked state.
Use this by-state ranking as the cite-able centerpiece: it combines NOAA event counts with state-level claim and loss signals from State Farm and Verisk.
| Rank | State | 2025 hail events (NOAA) | Notable claim/loss signal |
|---|---|---|---|
| 1 | Texas | 902 | State Farm hail claims: $1.4B; 235,000+ homes hit |
| 2 | Kansas | 375 | 51.8% of roofs hit by severe hail (Verisk, highest share) |
| 3 | Oklahoma | 369 | Top-5 State Farm hail-claim state |
| 4 | Nebraska | ~300+ | Core Hail Alley; among highest per-capita losses |
| 5 | Colorado | ~280+ | Front Range; 400+ hailstorms/yr average |
| 6 | Missouri | ~250+ | #2 State Farm hail-claim state in 2025 |
| 7 | South Dakota | ~200+ | High frequency relative to population |
| 8 | Wyoming | ~150+ | Highest hail-day frequency per capita |
Event counts below the top three are rounded estimates drawn from NOAA and state insurance data; exact ordering shifts year to year. The consistent pattern: a band running from the Texas Panhandle north through Oklahoma, Kansas, Nebraska, Colorado, and Wyoming — the region commonly called Hail Alley.
Raw event counts favor big states like Texas, but per-capita exposure tells a different story. Nebraska, Wyoming, and Kansas carry some of the highest hail risk per resident in the country: Verisk found severe hail struck 51.8% of Kansas roofs in 2025, the highest share of any state, even though Texas logged far more total events. For a homeowner, that distinction matters — a Kansas or Nebraska roof is statistically more likely to take hail in a given year than a roof in a larger but less concentrated state.
State Farm Alone Paid $5.6 Billion in Hail Claims in 2025
Claim payouts make the geographic concentration concrete. State Farm, the largest US home insurer, paid more than $5.6 billion in hail-related claims in 2025.
Texas led State Farm’s payouts at $1.4 billion, followed by Missouri, Illinois, Wisconsin, and Oklahoma.
| Rank | State | State Farm hail claims paid (2025) |
|---|---|---|
| 1 | Texas | $1.4 billion |
| 2 | Missouri | (top 5) |
| 3 | Illinois | (top 5) |
| 4 | Wisconsin | (top 5) |
| 5 | Oklahoma | (top 5) |
Because State Farm writes roughly one in five US home policies, its totals are a useful proxy for the whole market — multiply by about five for a rough industry-wide sense of hail claim dollars. The pattern reinforces the by-state ranking above: the Plains and Upper Midwest carry the heaviest hail claim load.
Worth noting is how quickly these totals have grown. State Farm paid about $3.5 billion in hail claims in 2022; by 2025 that figure had climbed past $5.6 billion — a roughly 60% jump in three years. Rising rebuild costs explain much of the increase, but so does widening exposure: hail is now causing serious roof damage in states that historically saw little of it, which is why insurers in Texas, Colorado, and the Plains increasingly write separate percentage-based wind-and-hail deductibles into home policies.
Roof Claims Totaled About $23 Billion in 2025, and Hail Drove a Third of the Catastrophe Share
Roofs absorb most hail damage, so roofing claims are the clearest financial signal. Verisk’s 2025 roofing analysis put total US residential roof-replacement cost value at about $23 billion — down from a 2021-2024 average of $24.4 billion, largely because the 2025 hurricane season was quiet.
Within catastrophe-designated roofing claims, hail accounted for roughly 33% — the largest single peril.
| Roofing claim metric (US, 2025) | Figure |
|---|---|
| Total residential roof-replacement cost value | ~$23 billion |
| Hail share of catastrophe roofing claims | ~33% |
| States with severe hail on 20%+ of roofs | 16 (up from 12 in 2024) |
| Highest state roof-impact share (Kansas) | 51.8% |
| Average residential roof replacement cost | $17,631 (up 33% vs. prior 4-yr avg) |
Two forces are pushing roof losses higher even when storm counts hold steady: replacement costs jumped 33% in 2025, and 38% of US homes now show moderate-to-poor roof condition — roofs that carry roughly 60% higher loss costs when hail hits.
The Average Hail Roof Claim Runs $9,000 to $15,000
For an individual homeowner, the number that matters is the per-claim payout. The average hail roof claim runs about $9,000 to $15,000, with a commonly cited midpoint near $12,000, based on contractor and adjuster estimates.
The spread is wide because hail damage ranges from cosmetic to total:
| Damage level | Typical payout range |
|---|---|
| Minor repair (a few slopes) | $5,000 - $8,000 |
| Average replacement | $9,000 - $15,000 |
| Severe / full replacement | $20,000+ |
What moves the number: roof size and pitch, material (asphalt shingle vs. metal, tile, or slate), regional labor rates, and — critically — your wind-and-hail deductible. Many policies in Texas, Colorado, and the Plains carry a separate percentage deductible of 1% to 5% of the home’s insured value, which can mean several thousand dollars out of pocket before coverage starts. If you are weighing repair against replacement, Onward’s roof replacement cost guide and roof replacement service break down the trade-offs, and our insurance-claim explainer covers deductibles.
The Costliest Hailstorms on Record Hit Phoenix, Denver, and Dallas
A handful of single storms account for an outsized share of historical hail losses, and all hit large metros. The costliest US hailstorm on record struck Phoenix in October 2010, causing about $2.8 billion in damage, per RMIIA.
| Rank | Storm | Year | Estimated damage |
|---|---|---|---|
| 1 | Phoenix, AZ | 2010 | ~$2.8 billion |
| 2 | Denver / Front Range, CO | 2017 | ~$2.3 billion |
| 3 | Dallas-Fort Worth, TX | 2016 | ~$1.4 billion |
The lesson behind the ranking: cost follows population and property value, not just stone size. A severe storm over open ranch land registers in NOAA’s event count but produces few claims; the same storm over Denver or DFW destroys tens of thousands of roofs and vehicles at once. That is why the Denver and Dallas-Fort Worth metros repeatedly top the loss charts — they pair Hail Alley frequency with dense, high-value housing.
Hail Season Peaks in Spring, From April Through June
Hail is highly seasonal, which lets homeowners and insurers plan around it. Nationally, hail activity peaks in spring, from April through June, when warm surface air collides with cold upper-atmosphere air to grow the largest stones.
| Region | Peak hail window |
|---|---|
| National | April - June |
| Texas / southern Plains | March - May |
| Central Plains (KS, NE, CO) | April - July |
| Upper Midwest | May - August |
In much of Texas, the season runs earlier and tighter — a large share of the year’s hail falls between March and May. This seasonality is why roofing contractors and Onward see demand for inspections and storm-damage repair spike sharply each spring. If a storm has already hit, our guide on what to do after storm damage walks through the first steps.
Methodology
Hail event and hail-day counts come from NOAA’s National Weather Service Storm Prediction Center and the underlying Storm Events Database, reflecting full-year 2024 and 2025 totals. Insured-loss figures are from the Insurance Information Institute (Triple-I) and Cotality (formerly CoreLogic). Claim payout and roof-impact data come from State Farm’s 2025 hail-claims release and Verisk’s 2025 US Roofing Realities Report. Costliest-storm figures are from RMIIA. State-level event counts below the top three are rounded estimates blended from NOAA and state insurance sources; per-claim payout ranges reflect contractor and adjuster estimates and vary by region, roof, and policy. Onward references reflect quote and match activity across our US roofing marketplace and are framed as estimates.
The Bottom Line
Hail is the quiet heavyweight of US property risk: more than 5,400 events a year, over $51 billion in annual severe-storm insured losses, and a third of all catastrophe roofing claims. The damage concentrates in Hail Alley — Texas, Kansas, Oklahoma, Nebraska, Colorado, and Wyoming — and lands hardest on the Denver and Dallas-Fort Worth metros, where frequency meets dense, high-value housing.
If hail has hit your roof, the first move is a documented inspection before you file. Onward matches homeowners with vetted, licensed, insured local roofers through the Onward Shield 6-point check, and you can get a free estimate in minutes. For deeper figures, see our companion reports on storm damage statistics, roof replacement statistics, and the roofing cost index.
