What the data shows
Hail is concentrated in the Plains. Texas, Kansas and Oklahoma account for 29% of all hail reports from 2016 through 2025, then Nebraska (5,338), Colorado (4,491), South Dakota (4,278), Missouri (3,944), Minnesota (3,845).
The county with the most reports is El Paso County, Colorado, with 756 from 2016 through June 2026. Counts follow population as well as weather: hail is recorded when someone sees and reports it, so busy metro counties log more reports than empty rangeland hit by the same storms.
About one report in ten is 2-inch hail. 8,525 reports, 10% of the total, were stones 2 inches across or larger. The National Weather Service’s threshold for severe hail is 1 inch; 70,903 reports, 81%, met it.
California sees little hail: 318 reports over the period, rank 36 of 51.
For a homeowner, hail is usually covered by a standard homeowners policy, but many insurers in hail-prone states apply a separate wind and hail deductible, often a percentage of the dwelling limit, and some pay roofs at actual cash value once they reach a certain age (how wind and hail deductibles work; replacement cost vs. actual cash value; tornadoes by state; your county’s storm history). On a car, hail falls under comprehensive coverage, not collision.
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