States Where Homeowners & Renters Are Most At-Risk for Hail Damage in 2022

Peak hail season in the U.S. occurs from May to August — are you prepared? Hail can damage your home significantly and result in thousands of dollars of repairs, especially if you don't have adequate, affordable home insurance coverage.

To find the states with the most predicted hail risk in 2022, MoneyGeek analyzed expected annualized losses from hail overall and per capita.

Planning for a hailstorm is crucial to minimizing the damage to your home. Living in a hailstorm-prone area may mean investing in more solid roofing and windows, such as impact-resistant storm shutters and asphalt shingles. Even if you live in a state that only occasionally gets hailstorms, you will still want to prepare by cleaning gutters, repairing roof damages and closing chimneys. These and the following additional tips can help ensure you're ready should a hailstorm hit your home.

It’s also essential to plan for the aftermath of hail damage. Financial preparedness can also go a long way to ensure you won’t have to spend too much on repairs. This means securing the best homeowners insurance or best renters insurance policy for your needs to help pay for any property damage caused by natural disasters, including hail.

If you own a car, having affordable full coverage car insurance is essential to insure yourself against any damages caused by a hailstorm.

MoneyGeek’s full data set provides a detailed look at the economic impacts of hail damage by state. The state-level analysis considers the average annualized expected losses due to building damage and population exposure.

The table below uses the following terminology:

• Building & Population Losses per Capita: Total expected annualized building and population losses per person based on population size.
• Building & Population Losses: The expected annualized losses associated with building destruction and damages, injury and loss of life using a FEMA-determined statistical value of life of $7.6 million.
• Annual Average Number of Hail Events (2018–2021): Average number of hail events per year using hail events occurring from 2018 to 2021.

MoneyGeek analyzed FEMA’s National Risk Index datasets to calculate the expected annual hail-related financial losses for each city from building damage and population exposure data, which considers the FEMA-determined statistical value of life to be $7.6 million.

To calculate per capita risk, MoneyGeek utilized state populations as of 2016. We calculated the average number of annual hail events using National Oceanic and Atmospheric Administration (NOAA) data from 2018 to 2021.

The National Risk Index data also includes estimates for agricultural losses due to hail, which were excluded from MoneyGeek’s analysis.