# HAIL DAMAGE STATISTICS & ROOFING DATA TO KNOW IN 2026 REFERENCE > Review hail damage statistics from primary sources, including 2025 insurer payments, local roof exposure and the limits of each roofing risk measure. Canonical: https://commercialroofingadvisors.com/resources/hail-damage-statistics Last updated: 2026-08-24 Hail payments, metro roof exposure and weather definitions, with clear distinctions between exposure and confirmed damage. [Talk to an advisor](https://commercialroofingadvisors.com/contact) Resources [State Farm](https://newsroom.statefarm.com/state-farm-paid-over-56-billion-in-hail-claims-in-2025/) paid more than $5.6 billion in 2025 hail claims, including $1.4 billion in Texas. Its figures cover homes, vehicles and property across one insurer's portfolio, so they are not national roof-only losses. The latest full-year sources available for this reference describe 2025. They show why hail deserves attention beyond a national storm count. Losses depend on where the hail falls, what is beneath it and the roof condition at the time. For commercial owners, those statistics are most useful when paired with a building-specific roof record. ## Key hail damage statistics at a glance - [State Farm](https://newsroom.statefarm.com/state-farm-paid-over-56-billion-in-hail-claims-in-2025/) reported more than $5.6 billion in 2025 hail-related payments across its insured homes, vehicles and property. - [State Farm](https://newsroom.statefarm.com/state-farm-paid-over-56-billion-in-hail-claims-in-2025/) reported $1.4 billion in Texas hail claims for 2025, the highest state total in its portfolio. - [Verisk's 2026 U.S. Roof Report](https://www.verisk.com/49be6d/siteassets/media/campaigns/gated/underwriting/the-state-of-americas-roofs.pdf) identified 600 metros where at least 5% of roofs encountered one- to two-inch hail in 2025. - [Verisk](https://www.verisk.com/49be6d/siteassets/media/campaigns/gated/underwriting/the-state-of-americas-roofs.pdf) identified 113 metros where at least half of roofs encountered that hail-size band in 2025. - [Verisk](https://www.verisk.com/49be6d/siteassets/media/campaigns/gated/underwriting/the-state-of-americas-roofs.pdf) reported 35% large-hail roof exposure for Dallas-Fort Worth-Arlington in 2025. - [Verisk](https://www.verisk.com/49be6d/siteassets/media/campaigns/gated/underwriting/the-state-of-americas-roofs.pdf) reported 63% large-hail roof exposure for Owensboro, Kentucky, in 2025. - The [National Weather Service](https://www.weather.gov/safety/thunderstorm) uses one inch in diameter as the hail-size threshold for a severe thunderstorm. - [LexisNexis Risk Solutions' 2026 report](https://risk.lexisnexis.com/about-us/press-room/press-release/20260722-home-trends-report) found 2025 home-insurance hail loss cost 38.4% below its 2023 peak. State Farm payments cover homes, vehicles and property. Verisk exposure is not confirmed roof damage. The 38.4% footer figure describes the 2025 home-insurance loss-cost decline from the 2023 peak. ## How much did State Farm pay for hail damage in 2025? More than $5.6 billion was paid in 2025 hail claims by [State Farm](https://newsroom.statefarm.com/state-farm-paid-over-56-billion-in-hail-claims-in-2025/). The carrier's release covers insured homes, vehicles and property, so this is neither roof-only spending nor the entire US insurance market. A carrier payment total is useful evidence of the scale of losses within that carrier's book. It cannot be multiplied into a national roofing total without comparable exposure and coverage data. Vehicle damage, siding, windows and other property losses do not become roof losses because hail caused them. For a roofing reference, keep the payment number attached to its insurer and coverage scope. The question it answers is how much that insurer paid for hail-related claims. It does not establish how many commercial roofs were damaged, how many roofs were replaced or what a typical commercial owner recovered. ## Which state led State Farm's hail losses? $1.4 billion made Texas the leading state for State Farm's 2025 hail claims, according to the [carrier's April 2026 release](https://newsroom.statefarm.com/state-farm-paid-over-56-billion-in-hail-claims-in-2025/). Missouri, Illinois, Wisconsin and Oklahoma followed in its ranking. That order describes State Farm's losses. It is different from ranking states by hailstorm reports, roof area exposed or loss per insured building. A state with a large insured property base can produce a large dollar total without leading every measure of the weather hazard. This is why an infographic should name the measure rather than labeling a map simply “hail damage.” A payment map, a storm-report map and a roof-exposure map each need their own units, period and source. Their rankings can differ without contradicting one another. For a portfolio owner, the practical question is more local. Which properties were within the storm footprint, what roof systems do they have, and what evidence is available from before and after the event? The state total helps frame attention; it cannot replace those checks. ## How widespread was large-hail roof exposure? 600 metro areas had at least 5% roof exposure to one- to two-inch hail in 2025 in [Verisk's analysis](https://www.verisk.com/49be6d/siteassets/media/campaigns/gated/underwriting/the-state-of-americas-roofs.pdf). Its larger-exposure group included 113 metros where at least half of roofs encountered that size band. These are roof-exposure measures. They should not be captioned as counts of roofs confirmed damaged or replacements approved. The report's size band and geographic unit belong beside the numbers whenever they are reused. The distinction matters when combining datasets. A local storm report records a reported weather event. A hail footprint estimates where hail occurred. A claims dataset records losses reported or estimated within a defined insured population. Moving from one of these datasets to another requires more evidence than a matching date. A commercial roof review should connect the weather observation to roof areas and physical findings. CRA's [post-storm response playbook](https://commercialroofingadvisors.com/roof-report/post-storm-roof-response-playbook) describes the role of dated photographs, a pre-storm baseline and documentation of temporary work. ## How much can exposure vary between metropolitan areas? 35% for Dallas-Fort Worth-Arlington and 63% for Owensboro were the 2025 large-hail roof-exposure figures reported by [Verisk](https://www.verisk.com/49be6d/siteassets/media/campaigns/gated/underwriting/the-state-of-americas-roofs.pdf). The comparison concerns the share of roofs in each metro exposed to the report's one- to two-inch hail band. A larger percentage does not tell an owner the total repair bill in either place. Metro areas have different inventories, property values and roof characteristics. Exposure share is useful for comparing the reach of a hazard, not for assigning a dollar loss to every roof inside it. Local variation is a reason to keep a national portfolio record at the property level. A building address, roof type, installation history and recent condition report make weather information easier to apply. A state-level average leaves those differences hidden. For a property with more than one roof area, keep the areas identifiable in photographs and reports. A storm can raise questions about different systems on the same building. An inspection record should say what was observed, what remains uncertain and what further investigation would answer it. ## What size hail is classified as severe? One inch in diameter meets the National Weather Service's hail criterion for a [severe thunderstorm](https://www.weather.gov/safety/thunderstorm). That is a weather-warning threshold, not a universal roof-damage threshold. A warning category does not assign an impact-resistance rating to an existing roof. Nor does a reported hail size establish the condition of every roof in the affected area. The roof assessment still needs to account for the actual assembly and findings. The same caution applies to material comparisons. Residential asphalt shingles and a low-slope commercial roof are different assemblies. A number from a residential shingle test should keep its product, test protocol and condition attached to it. It should not be presented as the failure rate of TPO, EPDM, PVC or a complete commercial roof. When reviewing product information, distinguish a laboratory classification from an observed field outcome. A test can compare performance under a stated procedure. It does not mean every future hailstorm will reproduce that procedure or that an entire roof assembly will respond like one tested component. ## How far below the 2023 peak was home-insurance hail loss cost? The 2025 home-insurance hail loss cost was 38.4% below its 2023 peak, according to the [2026 LexisNexis U.S. Home Trends Report](https://risk.lexisnexis.com/about-us/press-room/press-release/20260722-home-trends-report). That measure covers home-insurance hail losses, not commercial roof claims or the count of physical hailstones. A lower aggregate loss measure does not mean a particular building faced less severe weather. National results combine many properties and events. An owner whose building was struck still needs an assessment, regardless of whether the broader annual measure rose or fell. Keep the comparison period visible. A change from a previous peak is different from a year-over-year change. Removing the baseline year can make a true number imply a different trend. ## Use hail data to guide a documented roof review The most useful hail statistics identify where attention may be needed. A [commercial roof condition report](https://commercialroofingadvisors.com/services/roof-condition-reporting) then records the system, observed defects and limits of the assessment. That record connects weather exposure to a decision about the building. Commercial Roofing Advisors helps owners document roof conditions and plan the next step after a storm. Start with the property record and verified findings so the response is based on the roof's condition and the work it requires. ### Related resources [US Commercial Roof Area and Building Stock Statistics for 2026](https://commercialroofingadvisors.com/resources/commercial-roof-area-statistics)[Commercial Roofing Industry Statistics & Data to Know in 2026](https://commercialroofingadvisors.com/resources/commercial-roofing-industry-statistics)[Commercial Roofing Materials and Membrane Statistics for 2026](https://commercialroofingadvisors.com/resources/commercial-roofing-materials-statistics)[Cool Roof and Roofing Energy Savings Statistics for 2026](https://commercialroofingadvisors.com/resources/cool-roof-statistics)[Explore all resources](https://commercialroofingadvisors.com/resources)[Discuss your roof or portfolio](https://commercialroofingadvisors.com/contact)