Why Hail Data Should Drive Your Sales Calendar
Storm damage is not spread evenly across the country, and roofing sales activity should not be either. Some states get hit by damaging hail almost every year. Others rarely see it. A canvassing or calling schedule that treats every ZIP code the same is spending call time on markets that never generate the claim volume to justify it.
This page collects the sourced hail-event counts, state-level roof-impact rates, and insurer claims data behind that targeting decision. Every figure below links to where it came from.
How to Use This Data
Match your outreach to where roofs are actually damaged, not where you assume they are. A state with a high hail-event count but a low roof-impact percentage likely saw scattered, minor storms. A state near the top of both lists, like Kansas or Texas, is where a storm-restoration pipeline is worth building. See how a booked estimate fits that pipeline on the roofing appointment setting page.
One note on the deductible data below: waiving or covering a homeowner's insurance deductible is illegal in at least 28 states, including Texas and Colorado, and is treated as insurance fraud, not a discount. Rising deductibles make that pitch tempting after a storm season like 2025's. It should never be part of a sales script.
The Numbers
NOAA recorded 5,432 hail events in 2025, up from 5,373 in 2024, with Texas and Kansas leading the country in event count.
16 states had at least 20% of their roofs impacted by severe hail in 2025, up from 12 states in 2024.
Kansas led the nation in 2025 with 51.8% of its roofs impacted by hail, and carries a long-term average annual hail loss of $2.2 billion.
Hail accounted for 33% of all roofing catastrophe-designated insurance claims in 2025, with wind claims making up another 19%.
State Farm alone paid more than $5.6 billion in hail-related claims in 2025, with Texas the single largest state at $1.4 billion.
Average residential roof replacement cost reached $17,631 in 2025, a 33% increase over the prior four-year average.
Average residential roof repair cost reached $4,699 in 2025, up 25% over the prior four-year average.
Total 2025 residential roof-replacement claim value reached $23 billion nationally, part of a roof repair and replacement claims total that has grown nearly 30% since 2022.
Roofing line items made up more than 25% of all residential insurance claim value in 2024.
38% of US homes showed moderate to poor roof condition in 2025 aerial imagery analysis, and those roofs carry roughly 60% higher loss costs.
Average homeowner insurance deductibles rose 22% in 2025, on top of a 15% rise in 2024.
43.5 million US properties face mounting hail risk, according to a 2026 storm-exposure report.
Sources
The external data in this article draws on the sources below. Figures described in the text as estimates or industry triangulations are directional and are not attributed to a single dataset.
- NOAA, Storm Events Database
- Insurance Business Magazine, Verisk 2025 roof report
- State Farm Newsroom, 2025 hail claims
- ProgramBusiness, 2025 roof claims report
- HousingWire, Cotality 2026 Storm Report
- Summit Roof Texas, deductible fraud law overview