Top 10 States Most at Risk for Hail Damage in 2025
Hailstorms—they come fast, hit hard, and leave behind millions of dollars in damage. And according to a new study from Northern Illinois University, climate change is only making things worse. With hailstones growing larger and storms becoming more severe, some states are at higher risk than ever before. Today, we’re counting down the 10 states most at risk for hail damage in 2025. Let’s get started!
Introduction
Hey everyone! Before we dive into the list, here are some jaw-dropping facts about hail:
-
Large hailstones (those 1.5 inches or larger) could increase by 15% to 75% if the planet continues to warm.
-
Hailstorms already account for 50% to 80% of thunderstorm-related losses, costing the U.S. around $1.1 billion annually.
That’s bad news for homeowners and insurance companies alike. Hail can strike anywhere, but some states are more vulnerable. Now, let’s find out which states are in the danger zone.
#10 – Arkansas
-
Hailstorms per year: 160
-
Annual losses in damage: $13.9 million
Starting off our list at number 10 is Arkansas. While it’s not the worst in total losses, the frequency of storms keeps Arkansas on the list, experiencing around 160 hail events per year.
#9 – Missouri
-
Annual losses in damage: $49.7 million
Missouri ranks ninth with hail-related losses totaling about $49.7 million annually. Known for its severe weather, hailstorms here can be particularly destructive.
#8 – Iowa
-
Hailstorms per year: 177
-
Annual losses in damage: $27.7 million
Iowa takes the eighth spot with an average of 177 hail events per year, leading to about $27.7 million in damages. The state’s vast farmland also suffers significant damage from these storms.
#7 – South Dakota
-
Hailstorms per year: 134
-
Annual losses in damage: $12.7 million
South Dakota takes the seventh spot. While its total damage is $12.7 million, its smaller population means the impact is felt more intensely on a per capita basis. If you live here, you’ve probably had to replace a roof at least once!
#6 – Kansas
-
Hailstorms per year: 312
-
Annual losses in damage: $32.8 million
At number six is Kansas, with an average of 312 hail events per year. These storms result in around $32.8 million in losses annually. Tornado alley runs through Kansas, and hailstorms are often a companion to severe weather.
#5 – Texas
-
Annual losses in damage: $338.6 million
While Texas doesn’t see as many hail events as Kansas, the state tops the list for total property damage from hail, with a staggering $338.6 million in annual losses. Everything is bigger in Texas, including the hailstorms!
#4 – Oklahoma
-
Hailstorms per year: 297
-
Annual losses in damage: $80.4 million
Oklahoma ranks fourth, experiencing around 297 hail events each year. These storms cause $80.4 million in damage annually. Right in the heart of tornado alley, Oklahoma faces hailstorms frequently.
#3 – North Dakota
-
Hailstorms per year: 86
-
Annual losses in damage: $9.2 million
At number three, North Dakota experiences fewer storms (86 per year), but the damages still add up to $9.2 million annually. With its smaller population, those losses hit the state harder.
#2 – Colorado
-
Hailstorms per year: 94
-
Annual losses in damage: $151 million
Colorado comes in as the runner-up with an average of 94 hail events annually. The financial impact is massive, with the state seeing $151 million in hail-related damages each year. If you’ve ever had your car pounded by hail, you know just how brutal Colorado hailstorms can be!
#1 – Nebraska
-
Hailstorms per year: 206
-
Annual losses in damage: $50.8 million
Finally, the state most at risk for hail damage in 2025 is Nebraska! With 206 hail events per year and $50.8 million in losses, Nebraska tops our list. Its combination of high storm frequency, significant agricultural impact, and the highest home insurance rates in the country—$4,135 per year—make it the most hail-threatened state in the U.S.
What Does This Mean for You?
So, what do you think? Did your state make the list? If you live in one of these high-risk areas, now’s the time to:
-
Check your insurance policy
-
Invest in impact-resistant roofing
-
Stay prepared
Hailstorms are getting bigger, stronger, and more expensive! Let us know in the comments if you’ve experienced major hail damage, and stay safe out there.
Top 10 Hail Risk States in 2025:
-
Nebraska – 206 hailstorms, $50.8 million in damage
-
Colorado – 94 hailstorms, $151 million in damage
-
North Dakota – 86 hailstorms, $9.2 million in damage
-
Oklahoma – 297 hailstorms, $80.4 million in damage
-
Texas – (losses: $338.6 million)
-
Kansas – 312 hailstorms, $32.8 million in damage
-
South Dakota – 134 hailstorms, $12.7 million in damage
-
Iowa – 177 hailstorms, $27.7 million in damage
-
Missouri – Losses: $49.7 million
-
Arkansas – 160 hailstorms, $13.9 million in damage