Texas Hail History by Address

See how often hail has hit a Texas property: radar-detected hail at the building back to 1998, every NOAA storm report nearby, and how the area ranks against the rest of the state. Free, no sign-up.

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How to use hail history before a renewal

Texas hail exposure varies more than most owners expect. Among ZIP codes with large apartment inventories, some recorded more than 20 days of 1.5-inch hail within 10 miles in the last decade while others recorded none. The McKinney, Allen and Plano corridor and Lubbock top the list. Carriers price that difference through the wind/hail deductible, roof terms and rate.

Use the radar dates to check whether a storm crossed your property before you file or renew, and to line up a roof inspection with a specific date. Use the storm-day count and the statewide comparison when you talk to your agent about deductible options.

Frequently asked questions

Q: Where does the hail data come from?
A: Two NOAA sources. Storm reports come from the Storm Prediction Center database: every hail report of 1 inch or larger near the property, with preliminary reports for the current year. Radar hail comes from NOAA MRMS MESH, a radar estimate of maximum hail size on a roughly 1 km grid, from September 2019 on, and from the NOAA/NSSL MYRORSS radar reanalysis for 1998 through 2011. No public radar hail archive covers 2012 to mid-2019. We adjust radar sizes to match ground reports, because raw radar runs high.

Q: What is the difference between storm days and radar hail days?
A: A storm day is a date when someone reported hail within the radius you pick, usually 10 miles. It tells you how often hail hits the area. A radar hail day is a date when radar saw hail of about 1 inch or larger within 2 miles of the point you entered, confirmed by at least one ground hail report within 50 miles that day. That is much closer to the question an owner or adjuster asks: did hail cross this property?

Q: Why count storm days instead of reports?
A: One storm can produce dozens of reports. McKinney 75070 shows over 100 reports that collapse to 23 separate storm days of 1.5-inch hail in ten years. Counting reports would inflate exposure several times over.

Q: Can a low count mean a property is safe from hail?
A: No. Storm reports depend on people seeing hail and reporting it, so rural areas are under-reported, and radar detects less hail in East Texas and in winter. Treat low counts as a floor. Radar sizes are estimates, not measurements of what struck a roof.

Q: How does hail history affect my insurance?
A: Most Texas commercial property policies carry a separate wind/hail deductible, often 1% to 5% of building value, and carriers look closely at roof age and hail exposure at renewal. A property that sees hail often should review that deductible and its roof terms before renewal, not after a claim.

Sources: NOAA Storm Prediction Center severe weather database and NOAA MRMS radar (MESH). Storm reports are volunteered human observations and under-represent rural areas; ZIP lookups use the ZIP's center point. Radar sizes are adjusted estimates, not measurements of hail that struck a specific roof. Public catastrophe data provided for general information. Not an insurance quote, a rate, or a statement about any specific property.