We know Oklahoma weather is brutal on roofs. Hailstorms in our state are not just common – they are costly. With Oklahoma ranking 3rd in the nation for hail damage losses per person, it is no wonder insurance premiums here are some of the highest in the U.S. The April 2023 hailstorm alone caused $350 million in residential losses, hitting nearly 480,000 structures statewide.
Our Take: We have seen firsthand how hail damage, left unchecked, can lead to leaks, mold, and structural issues. That is why regular roof inspections are not just a good idea – they are a must in Oklahoma City. From bruised shingles to hidden damage, catching problems early saves you thousands in repairs and keeps your insurance claims manageable.
Here is what every homeowner in Oklahoma City needs to know about hail damage, costs, and protecting their property.
Quick Stats to Know:
- Oklahoma City experienced 176 hail events in the last decade.
- Insurance premiums for a $300,000 home average $4,651 annually here – more than double the national average.
- Roof replacement costs have skyrocketed, with asphalt shingles up 40% in just five years.
Let us break it all down for you.
Chaos in Oklahoma Today! Golf-Ball-Sized Hail Swept Away Homes, Cars in Oklahoma
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1. Number of Recorded Hail Events in Oklahoma City
From 2016 to 2025, Oklahoma City experienced 176 hail reports within a 10-mile radius of its city center. That’s a lot of hail, and it’s no wonder roofs in the area take a beating. The annual number of events has swung wildly: some years saw as few as 5 reports, while others, like 2024 and 2025, hit 45 and 36 reports, respectively. Compare that to the quieter years of 2021 and 2022, when only 5 and 8 reports were recorded. This recent spike highlights the increasing threat to roofs in the area.
Doppler radar paints an even more alarming picture. By early 2026, radar detected hail at or near the city 286 times. In just the past year, trained spotters confirmed 285 hail events, and the region faced 334 severe weather warnings. That’s a staggering amount of activity for one metro area.
Historically, Oklahoma City ranks as the #1 metro area in the U.S. for hail activity over a 45-year study. The region has logged a total of 356 hail reports within a 10-mile radius of downtown. The most recent report, on November 19, 2025, noted 1.25-inch hail, with the 73102 ZIP code alone recording 38 reports. For homeowners, uninspected roofs could mean hidden damage and costly repairs down the line.
2. Annual Hail Events Statewide in Oklahoma
Oklahoma is no stranger to hailstorms. From 2021 to 2024, the state experienced an average of 525 hail events per year, a sharp increase from its historical average of 194. This surge places Oklahoma 5th in the nation for hailstorm frequency. In 2022, there were 214 hail events, which climbed to 269 in 2023 and 339 in 2024 – each involving hailstones at least one inch in diameter. These numbers solidify Oklahoma’s position in "Hail Alley", a high-risk zone stretching from Alberta, Canada, through the Central Plains to Texas.
In 2021 alone, approximately 204,382 properties across the state sustained damage from hailstorms, making Oklahoma 9th in the nation for property exposure. The state consistently ranks in the top five for both storm frequency and financial risk per capita.
The financial toll is equally striking. Oklahoma ranks 5th in the U.S. for hail-related financial risk per capita, with annual losses averaging $29 per person. Statewide, total annual losses from hailstorms are projected at $117,270,500. For comparison, Texas experiences more hail events – about 1,366 annually – but its per capita loss is lower at $18.
The trend is undeniable: hail activity has intensified across the Central Plains in recent years. Rising home values and construction costs amplify the financial damage from storms, even when their intensity remains the same. For homeowners in Oklahoma City, this statewide increase means greater risks to their roofs and more frequent insurance claims.
Looking for expert advice? Stop by our Edmond office at 321 W 18th St or give us a call at (405) 235-6000. We offer free roof inspections across the Oklahoma City metro area.
3. When Hail Season Peaks in Central Oklahoma
In Central Oklahoma, hail season hits its stride from mid-April to mid-May. During this time, April carries a 64% hail probability, while May follows closely with 57%. The combination of warm, humid, and unstable weather fuels the severe thunderstorms that bring hail.
But hail isn’t just a springtime problem. By June, the risk drops to 28%, and even November sees a 12% chance of hail. According to the National Weather Service, most spots in the region can expect hail two to three times a year. For homeowners in Oklahoma City, this makes spring roof inspections a must, particularly during the high-risk stretch from mid-April to mid-May. Staying on top of inspections during these months can help prevent costly repairs down the line.
Here’s a quick breakdown of hail probabilities by month:
| Month | Monthly Chance of Hail (Central Oklahoma) |
|---|---|
| April | 64% |
| May | 57% |
| June | 28% |
| November | 12% |
As the weather cools and dries out in September and October, hail risk drops significantly. However, severe storms can still strike outside the typical hail season. That’s why we recommend keeping an eye on your roof year-round. Knowing these patterns gives homeowners the edge in scheduling inspections and avoiding long-term damage.
Got questions or need help? Stop by our Edmond office at 321 W 18th St or give us a call at (405) 235-6000. We offer free roof inspections across the Oklahoma City metro area.
4. Hail Damage Costs Per Person in Oklahoma
Oklahoma ranks 3rd nationally for expected hail damage losses per person at $21.46. That figure might not sound alarming, but when applied to the entire population, it totals an eye-popping $80.5 million in annual losses.
Only Colorado ($30.13 per person) and Nebraska ($27.81 per person) exceed Oklahoma’s hail-related costs. Compared to nearby states like Kansas ($12.90) and Texas ($11.30), Oklahoma’s per capita losses are far higher. This elevated risk drives up insurance premiums: Oklahomans pay nearly three times the national average percentage of household income for homeowners insurance. And it’s not just roofs taking the hit. Oklahoma also ranks 3rd in the nation for automotive hail claim frequency, with a rate of 18.4. In 2022 alone, State Farm shelled out $126 million for hail-related claims in Oklahoma. Add in vehicle repair costs – ranging from $3,500 to $6,000 after major storms – and the financial impact on homeowners becomes staggering. These figures highlight the heavy toll hailstorms take on both personal finances and insurance systems.
Need expert advice? Stop by our Edmond office at 321 W 18th St or call us at (405) 235-6000 for a free roof inspection anywhere in the Oklahoma City metro.
With hail-related costs climbing year after year, proactive roof maintenance is more critical than ever. Inflation and supply chain issues have pushed the average hail claim up by nearly $2,000 in just one year. Regular inspections can help identify small issues early, saving homeowners from costly repairs or major insurance claims down the road.
5. Total Yearly Hail Damage Losses in Oklahoma
In 2022, Oklahoma’s hail damage losses for structures reached a staggering $80.5 million. But single storms can easily surpass that number. Take the April 2023 hailstorm, for example – it caused $350 million in residential losses statewide, more than quadrupling the typical annual total. Events like these show how a single storm can overshadow an entire year’s average damage.
The numbers get even more striking when you look at broader comparisons. In one recent year, State Farm alone paid $126 million for hail claims in Oklahoma. And that doesn’t even include vehicle repairs, non-roof property damage, or uninsured losses. During the April 2023 storm, 480,000 structures were hit by quarter-sized hail or larger, highlighting just how widespread the destruction can be.
While Texas tops the charts with $338.6 million in annual hail damage and Colorado follows with $151.5 million, Oklahoma’s storms pack a punch that hits harder relative to the state’s population. This intensity translates into real costs for homeowners.
Here’s how: insurance premiums have jumped by an average of 30% after hail claims. On top of that, insurers are increasingly moving from Replacement Cost Value to Actual Cash Value policies. What does this mean for homeowners? More out-of-pocket expenses when it’s time to replace a roof.
Need advice from local experts? Stop by our Edmond office at 321 W 18th St or call us at (405) 235-6000 for a free roof inspection anywhere in the Oklahoma City metro.
6. Most Expensive Hailstorm in Oklahoma City History
Back in May 2010, Oklahoma City experienced two back-to-back hailstorms that left a staggering $1 billion in combined damages. The second storm, on May 16, hit the heart of the city with grapefruit-sized hailstones. One resident shared that their personal property damages alone totaled $65,000.
The May 16 storm was especially destructive because of its direct path through densely populated residential and commercial areas. This wasn’t just a brush with severe weather – it was a full-on assault on some of the most vulnerable parts of the city. While these storms set a grim record, they were a stark reminder of how exposed homes and businesses are to hail damage.
Just three years later, on May 28, 2013, another storm rolled through, causing $1.2 billion in damages. This storm ranks as the 5th most expensive hailstorm in U.S. history. The pattern is clear: Oklahoma’s unpredictable weather doesn’t just bring inconvenience – it brings massive financial risk.
When two storms hit in quick succession, the aftermath can be chaotic. Repair crews get stretched thin, materials become scarce, and insurance claims pile up fast. For homeowners, the delay between filing claims and addressing damage can lead to even bigger problems. That’s why timely inspections and repairs are critical. These events highlight the importance of staying ahead of storm damage with regular roof check-ups.
Want peace of mind before the next storm? Stop by our Edmond office at 321 W 18th St or give us a call at (405) 235-6000. We offer free roof inspections throughout the Oklahoma City metro area. Don’t wait – protect your home today.
7. Residential Damage Costs from April 2023 Hailstorm
The April 19, 2023 hailstorm left a massive financial mark on Oklahoma City homes, with residential losses hitting approximately $350 million. This storm ranks as the 7th most damaging in Oklahoma City’s 244-year record. In just one day, nearly 480,000 structures statewide were pummeled by hailstones measuring at least 1 inch. Oklahoma City alone saw over 128,000 housing units impacted, with hail reaching up to 3 inches near Amber and Newcastle, and 2.75 inches in parts of Oklahoma County.
The damage wasn’t limited to roofs. Siding, windows, outdoor furniture, and landscaping all took a hit. Bryan Wood, a Meteorologist and Catastrophe Analyst at American Modern, broke it down:
"In wind-driven hail events, the damage (to a home) can exceed $30,000".
He also pointed out a key issue:
"When hail hits a roof, the entire roof is replaced even if there is partial damage".
These insights highlight the importance of proactive roof inspections to minimize repair costs before they spiral out of control.
Adding to the challenge, repair costs for this storm were unusually high. Asphalt shingles alone had seen a 40% price increase over the past five years. For homeowners, this meant facing not just widespread damage but also steeper repair bills.
Need expert advice? Stop by our Edmond office at 321 W 18th St or call us at (405) 235-6000 for a free roof inspection anywhere in the Oklahoma City metro.
8. Structures Damaged in April 2023 Hailstorm
The numbers from the April 19, 2023 hailstorm are staggering. In just one day, 480,000 structures across Oklahoma were hit by hailstones as large as quarters or bigger. According to CoreLogic, this storm impacted 413,013 single-family and multifamily homes, with a combined reconstruction value of $127.9 billion.
Damage wasn’t limited to roofs. Vinyl siding, windows, walls, and even landscaping took a beating. Cars, outdoor furniture, playgrounds, and fences were also left in shambles. In some areas, hailstones the size of baseballs smashed through windows and, in extreme cases, ripped roofs completely off homes.
McClain County Sheriff Scott Gibbons described the devastation:
"We don’t have a hard number yet but we’re going to have quite a few homes, a couple of businesses and a large number of vehicles that are going to be a complete loss."
The Oklahoma City metro area was hit especially hard. Over 128,000 housing units were exposed to hailstones 1 inch or larger, and more than 1,000 homes were hit by hail measuring between 2.50 and 2.99 inches. Larger hailstones caused severe structural damage, including roof deck penetrations that led to interior water damage.
This level of destruction highlights how critical regular roof inspections are to protect your home from future storms.
Want peace of mind? Stop by our Edmond office at 321 W 18th St or call us at (405) 235-6000 to schedule a free roof inspection in the Oklahoma City area.
9. Property Damage Beyond Roofs
When hailstorms hit, roofs aren’t the only things taking a beating. Exteriors and outdoor assets face serious risks too. Did you know Oklahoma ranks 3rd in the nation for automotive hail insurance claims? Wind-driven hail can wreck siding, windows, and doors, with repair bills climbing over $30,000.
Take northwest Oklahoma City resident Tanya Niermeir, for example. In September 2024, a fierce hailstorm destroyed half her solar panels, leaving them cracked and webbed with damage. Rain seeped into her bathroom, and her yard was left pockmarked with divots from hailstones.
"You can see in the grass, there are literal divots like the hail was stuck inside the yard", she told KOCO 5 News.
Another resident, James King, had to replace his windshield after hail completely shattered it. These stories remind us that hail doesn’t just target roofs – it impacts everything outside your home.
Here’s what else is at risk:
- Vehicles: Golf ball-sized hail (about 1.75 inches) can leave dents, while baseball-sized hail can shatter windshields.
- Gutters: Damaged gutters lead to poor drainage, potentially causing foundation water issues.
- Siding: Cracks in siding expose your home to moisture, risking long-term problems like mold.
- Windows: Broken glass compromises security and insulation.
Visible damage, such as dented gutters or cracked siding, can knock up to 10% off your home’s resale value. That’s why regular home inspections are so critical.
Pro Tip: Move vehicles into covered parking before storms hit. Secure outdoor furniture, grills, and toys in a garage or shed to avoid additional damage.
Need a professional evaluation? Stop by our Edmond office at 321 W 18th St or call us at (405) 235-6000. We offer free roof inspections across the Oklahoma City metro. Let’s keep your home protected from top to bottom!
10. Largest Hailstones Recorded in Oklahoma City
When it comes to storm damage, hail size tells the story. The largest hailstone recorded in Gotebo of Oklahoma measured a massive 6 inches in diameter. This giant fell nearly 15 years ago, around 2010–2011.
Fast forward to May 24, 2025: hailstones measuring 4.00 inches battered an estimated 151,531 homes. Just a couple of weeks later, on June 5, 2025, hailstones reached 3.75 inches.
Image from National Weather Service.
While Oklahoma City’s record stands at 4.25 inches, the state of Oklahoma has seen even bigger. On May 23, 2011, near Gotebo, a hailstone measuring 6 inches in diameter set the state record. The National Weather Service noted that it was so heavy it "significantly caved in the roof of the research vehicle that captured it".
Hailstones of this size are no joke. A 4-inch stone can wreak havoc: shattering windshields, damaging solar panels, and tearing up roofing shingles. For context, impact-resistant shingles are tested using a 2-inch steel ball dropped from 20 feet. The larger the hailstone, the higher the repair costs and the more complex insurance claims become. These records highlight just how destructive hail can be and why understanding hail size is critical for property protection.
Need an expert opinion? Visit our Edmond office at 321 W 18th St or call us at (405) 235-6000 for a free roof inspection anywhere in the Oklahoma City metro.
11. Multi-State Hail Damage from Single Storm Event
Hailstorms don’t stop at state lines. A single storm system can impact anywhere from 3 to 22 states in just 48 hours.
Take June 2024, for example: one weather system tore through 22 states and 2,131 cities, including Oklahoma City. It left behind hail measuring 1.00 inches or larger, damaging an estimated 33,735 properties and racking up $1.7 billion in losses. Just a few months earlier, in March 2024, another storm swept across Kansas, Oklahoma, Missouri, Illinois, Indiana, and Ohio, causing a staggering $6.2 billion in damages.
Back in April 2021, Oklahoma and Texas were hit simultaneously by severe weather. Hailstones 2 inches or larger blanketed 6,441 square miles – an area bigger than Connecticut. This storm affected roughly 1.1 million people and caused $3.5–$3.7 billion in damages.
AccuWeather‘s Chief Meteorologist Jonathan Porter highlighted the financial toll of these events:
"When you have the combination of large hail and cities with large numbers of homes and businesses, the losses add up fast".
Meteorologist Bill Deger added:
"It’s not a surprising event to get big hail storms this time of the year across Texas and Oklahoma, but what was remarkable about it was that we had the intersection of big hail storms in areas where there are a lot of people and businesses".
The frequency and scale of these multi-state events are growing. Severe thunderstorm events causing over a billion dollars in damages have jumped from an average of 2 to 3 per year in the 2000s to about 7 per year in the 2010s. In 2020 alone, the U.S. experienced 13 separate billion-dollar severe thunderstorm events – the highest number recorded since 1980. For Oklahoma City homeowners, this means roofs are at greater risk, with storms often stretching from Texas to the Dakotas.
12. Year-Over-Year Increase in Hail Damage Claims
Hail damage claims are rising fast, and Oklahoma City homeowners are feeling the impact. State Farm reported nearly 45,000 more hail claims nationwide between 2021 and 2022, with payouts jumping by over $1 billion during that time. The cost per claim also surged: State Farm revealed that the average claim increased by nearly $2,000 in just one year, marking the largest spike ever recorded. This jump comes from a mix of factors, including more frequent severe weather, inflation, and supply chain issues driving up roofing material costs.
Oklahoma’s local data mirrors these national trends. The state experienced 214 hailstorms in 2022, which climbed to 269 in 2023. Nationwide, the number of properties affected by damaging hailstorms grew by almost 10%, increasing from 6.2 million in 2020 to 6.8 million in 2021. Verisk analysts highlighted that "nearly 10 percent more properties were affected by one or more damaging hailstorms in 2021 than in 2020". This rise suggests that storms are hitting more densely populated areas, including Oklahoma City. These patterns are reshaping both insurance practices and costs.
Filing a hail damage claim could increase homeowners’ insurance premiums by as much as 30%. This creates additional financial pressure for homeowners already dealing with rising repair costs and claim payouts. With claims becoming more frequent and severe, insurance companies are adjusting rates. Oklahoma Insurance Commissioner Glen Mulready summed up the situation:
"In year-end 2023, you take our top 20 homeowners’ companies. They paid out about $105 for every $100 they took in".
He also noted that homeowners saw:
"about a 30% increase in just an 18-month time frame, for the same roof, same roofer".
These trends highlight the need for proactive roof inspections. Catching damage early can help prevent escalating repair costs and potential premium hikes.
Want a professional opinion? Stop by our Edmond office at 321 W 18th St or call us at (405) 235-6000 for a free roof inspection anywhere in the Oklahoma City metro area.
13. Rising Average Costs of Hail Damage Claims
State Farm reports that the average homeowner hail claim hit $17,000 in 2023, up from $16,000 in 2022. To put this in perspective, claim severity between 2008 and 2013 was 65% higher than during 2000–2007. These numbers highlight the growing financial burden storms place on homeowners.
Roofing costs in Oklahoma have surged over the years. Asphalt shingles, the most common material in Oklahoma City, have jumped 40% in price over five years. Ceramic tiles rose 26% since 2018, and labor rates climbed 17-18% from 2018 to 2024. According to Jonathan Schneyer, Director of Event Response at CoreLogic:
"If your home is hit by 2-3 inch hail and you have an older roof or a roof of poor condition…that is enough damage to where you might need to replace your roof entirely. And given the inflationary pressures on roofing materials… it could be a $10,000 job".
Adding to the cost, modern homes now feature pricey components like solar panels, which make repairs more complex and expensive. Heather Paul from State Farm explained:
"inflation is driving up the cost of materials and labor to repair the damage, increasing insurers’ liability. More development in areas affected by severe storms is also a factor".
In 2023, State Farm’s total hail payouts hit $6.1 billion, surpassing the combined total of the previous two years.
These rising repair costs are driving up insurance premiums. In 2023, Oklahoma’s top 20 homeowners insurers paid out $129 in claims for every $100 collected in premiums. This trend impacts both personal finances and insurance rates. Oklahoma Insurance Commissioner Glen Mulready weighed in:
"the rising cost of coverage in our state is the result of several complex factors that shape the insurance market. It’s not just about hail… Other factors include inflation and increased costs of materials and labor".
For homeowners looking to reduce costs, installing Class 4 impact-resistant shingles can lead to insurance discounts. However, these shingles typically cost 10% more upfront than standard materials.
Want expert advice? Stop by our Edmond office at 321 W 18th St or call us at (405) 235-6000 for a free roof inspection anywhere in the Oklahoma City metro.
14. Insurance Coverage Gaps Among Oklahoma Homeowners
Oklahoma homeowners face more than just rising repair costs; insurance coverage gaps add another layer of difficulty, especially during hailstorms. Consider this: only 29% of homes in Oklahoma have hail-resistant roofing. On top of that, just 47% of drivers in the state carry full insurance coverage. These numbers leave a significant portion of residents exposed to steep out-of-pocket costs for hail-related damage.
Homeowners’ insurance policies often come with restrictions that catch people off guard. For instance, many policies now exclude cosmetic hail damage, meaning dents or dings that don’t impact functionality are not covered. Another growing trend is separate, higher deductibles specifically for wind and hail damage, which is common in high-risk areas like Oklahoma City. These changes make it harder for homeowners to rely on their insurance when severe weather strikes.
The situation becomes even more challenging with evolving insurer practices. Oklahoma has the highest rate of non-renewed policies among landlocked states, with a 4% non-renewal rate compared to just 1% in neighboring states. Attorney Bryce Johnson summed up the issue plainly:
"They can’t drop a homeowner after the claim is made, but they can certainly drop a homeowner before they have any damage to their home. Unfortunately, insurance companies in Oklahoma have been known to do that."
To make matters worse, the cost of insurance in Oklahoma is staggering. Insuring a $300,000 home here costs an average of $4,651 annually, more than double the national average. Filing a hail damage claim can increase your premiums by an average of 30%. When you combine these costs with coverage gaps, it becomes clear why proactive roof maintenance is so important.
Need help navigating these challenges? We’re here for you. Stop by our Edmond office at 321 W 18th St, Ste 160 or call us at (405) 235-6000. We’ll provide a free roof inspection anywhere in the Oklahoma City metro area. Let’s make sure your roof is ready for whatever Oklahoma weather throws at it.
15. Oklahoma’s Uninsured Hail Risk Rating
Oklahoma is no stranger to hailstorms, but the real storm might be in the insurance gap. The state has an Uninsured Hail Risk Score of 72.1 out of 100, making it the fourth most vulnerable state in the U.S. On top of that, Oklahoma’s yearly per capita hail loss is $21.46 – ranking third highest in the country. To make matters worse, 18.9% of Oklahoma homes are uninsured, well above the national average of 13.6%. Out of 1,015,207 owner-occupied homes, nearly 192,310 are without coverage, putting Oklahoma in a tie for the seventh-highest rate of uninsured homes.
Rob Bhatt, a home insurance expert at LendingTree, summed it up perfectly:
"Rising premiums now leave homeowners one disaster away from losing essential security".
For those without insurance, the financial burden is staggering. Repairs from hail damage, even minor ones, can easily cost thousands. And during severe storms, those costs skyrocket.
Adding to the challenge, Oklahoma law limits the state Insurance Department’s ability to regulate excessive premiums or protect consumers from steep rate hikes. This leaves many homeowners facing a tough choice: pay unaffordable premiums or risk going without coverage altogether. This reality highlights why routine roof inspections are more than just a good idea – they’re essential.
Need help? Stop by our Edmond office at 321 W 18th St or call us at (405) 235-6000 for a free roof inspection anywhere in the Oklahoma City metro. Let’s keep your home protected.
16. Billion-Dollar Hail Events in Oklahoma City
Oklahoma City has seen its fair share of hailstorms, but the rise in billion-dollar disasters is staggering. From 1980 to 2024, Oklahoma experienced 76 severe storm events – including hail, tornadoes, and high winds – each causing at least $1 billion in inflation-adjusted damages. The annual average of these costly events jumped from 2.6 between 1980–2024 to 6.0 per year during 2020–2024. This sharp increase highlights how storms are reshaping the city’s damage history.
The first billion-dollar hailstorm to hit Oklahoma City occurred on May 16, 2010. Just six days earlier, on May 10, another storm caused $595 million in damages. Together, these back-to-back events pushed the total losses to around $1 billion. More recently, on April 19, 2023, a single storm affected 480,000 structures, contributing to a $3.1 billion multi-state disaster. Baseball-sized hail from the March 12–14, 2024 outbreak swept across Oklahoma, Kansas, and Missouri, leading to $6.2 billion in damages.
May 2024 brought an unparalleled series of storms. Within just weeks, three separate billion-dollar events struck: $6.6 billion (May 6–9), $4.9 billion (May 18–22), and $3.5 billion (May 25–26). Then, on September 24, 2024, a hailstorm pummeled 6,500 homes with baseball-sized hail for 16 minutes, damaging thousands of vehicles and shattering sunroofs across downtown during rush hour.
Severe storms now account for 60.2% of the total cost of all billion-dollar disasters in Oklahoma since 1980. For homeowners, this is a wake-up call. The last three years (2022–2024) averaged seven billion-dollar events annually, compared to just one per year in the 1980s. Regular roof maintenance isn’t just a good idea – it’s a necessity.
Got questions about your roof? Stop by our Edmond office at 321 W 18th St or call us at (405) 235-6000. We’ll provide a free roof inspection anywhere in the Oklahoma City area.
These massive storms make it clear: protecting your home starts with staying ahead of the damage. A strong, well-maintained roof is your first line of defense.
17. Annual Hail Damage Nationwide
Hail damage isn’t just an Oklahoma City issue – it’s a nationwide problem. Severe thunderstorms, including hail, caused an estimated $51 billion in damages in 2025. That made up nearly half of the $115 billion total U.S. disaster damage costs for the year. For perspective, this is a big jump from the $67 billion annual average recorded since 1980. This growing trend highlights the risks we face right here in Oklahoma City.
In 2025 alone, 21 thunderstorm systems each caused at least $1 billion in damages. Hail’s impact has grown significantly: about 6.8 million properties were affected in 2021, skyrocketing to over 23 million homes by 2023. Insurance companies have felt the strain too. State Farm, for example, paid out $3.5 billion in hail damage claims in 2022 – a $1 billion increase from 2021.
Jon Schneyer, Catastrophe Response Director at CoreLogic, summed it up perfectly:
"The combination of a record active season and inflationary pressures on reconstruction materials and labor… created a situation where year-end losses from severe convective storms rival that of a single major hurricane".
For Oklahoma City residents, this means staying proactive with roof inspections and repairs is more critical than ever.
The numbers don’t lie. In June 2023, hailstorms caused $8 billion in damages – more than four times the insured losses from Hurricane Idalia that same year.
Want peace of mind? Stop by our Edmond office at 321 W 18th St, or call us at (405) 235-6000 for a free roof inspection anywhere in the Oklahoma City metro.
Here’s why this matters locally: since 1985, 55% of all insured losses in Oklahoma have been tied to severe thunderstorms. Add to that a 14% year-over-year increase in reconstruction costs, and it’s clear – protecting your roof isn’t just smart. It’s essential for your financial security.
Conclusion
Oklahoma City is no stranger to severe hailstorms. With 286 recorded hail events and residential damages reaching hundreds of millions – like the April 2023 hailstorm that caused around $350 million in losses – it’s not a matter of if your roof will face hail, but when. These numbers highlight why acting now is so critical.
Regular professional inspections are key. Hail can cause "bruising" on shingles – subtle damage that often leads to leaks over time. After a storm, take immediate action: document damage with photos (a coin can help show scale), check gutters and screens for dents, and call a roofing professional. Don’t wait too long; most insurance policies have strict deadlines for filing claims, and missing those could mean losing your coverage.
Upgrading to Class 4 impact-resistant shingles is a smart move. These shingles are designed to handle a 2-inch steel ball dropped from 20 feet. Plus, many insurance companies offer discounts for installing impact-resistant materials. A strong roof paired with regular maintenance is your best defense against Oklahoma’s extreme weather.
Double-check your insurance coverage today. Make sure you have replacement cost coverage instead of actual cash value, verify wind and hail deductibles, and ensure cosmetic damage isn’t excluded. With roof replacement wait times stretching over five months during peak storm season, these steps can save you both time and money.
Need help? Stop by our Edmond office at 321 W 18th St, Ste 160, Edmond, OK 73013, or call us at (405) 235-6000. We offer free roof inspections across the Oklahoma City metro area.
FAQs
How can I tell if my roof has hidden hail damage?
To spot hail damage that might not be obvious, start by checking for small dents on metal parts like vents or flashing. Look for wear and tear in areas that are harder to see. One method we recommend is the Test Square: mark off a 10×10-foot section of your roof and count the hail impacts within that area.
For damage that’s tough to spot from the ground, consider using professional tools or even a drone inspection. It’s always a smart move to schedule regular roof checks after severe hailstorms. Catching damage early can save you from bigger headaches down the road.
What should I do right after a hailstorm to protect my insurance claim?
After a hailstorm, it’s crucial to act quickly. Start by taking clear photos and videos of the damage. Focus on your roof, windows, siding, and any other areas that were hit. These visuals will be essential for your insurance claim.
Next, make temporary repairs to prevent further damage. Cover broken windows or roof holes with tarps or plywood. Be sure to save all receipts for materials you purchase – your insurance company may reimburse these costs.
Finally, arrange for a professional inspection by a licensed roofing contractor. This step ensures that all damage is properly identified and documented, giving you a solid foundation for your claim.
Are Class 4 impact-resistant shingles worth the extra cost in Oklahoma City?
Class 4 impact-resistant shingles are absolutely worth the investment for homeowners in Oklahoma City. Here’s why: they provide superior protection against hail, which is a frequent visitor in our area. Over time, they help cut down on repair costs, can lower your insurance premiums, and significantly extend the life of your roof. For a region known for its unpredictable storms, choosing these shingles is a smart, long-term decision.