Hail risk by county
Balls of ice from strong thunderstorms that dent cars and damage roofs. The Plains and Front Range see the most.
Highest expected losses
| # | County | Rating | A year |
|---|---|---|---|
| 1 | Dallas County, TX | $128M | |
| 2 | Tarrant County, TX | $113M | |
| 3 | Collin County, TX | $97M | |
| 4 | Denver County, CO | $72M | |
| 5 | Bexar County, TX | $72M | |
| 6 | Arapahoe County, CO | $64M | |
| 7 | Jefferson County, CO | $58M | |
| 8 | Adams County, CO | $44M | |
| 9 | Denton County, TX | $43M | |
| 10 | St. Louis County, MO | $38M | |
| 11 | Lubbock County, TX | $35M | |
| 12 | Hennepin County, MN | $31M | |
| 13 | Oklahoma County, OK | $27M | |
| 14 | Travis County, TX | $25M | |
| 15 | Douglas County, NE | $24M |
Big counties lead this list partly because they have more people and buildings at risk.
Highest per resident
| # | County (100,000+ people) | Per person a year |
|---|---|---|
| 1 | Potter County, TX | $170 |
| 2 | Warren County, KY | $168 |
| 3 | Taylor County, TX | $133 |
| 4 | Lubbock County, TX | $113 |
| 5 | Denver County, CO | $101 |
| 6 | Jefferson County, CO | $99 |
| 7 | Arapahoe County, CO | $98 |
| 8 | Randall County, TX | $93 |
| 9 | Collin County, TX | $91 |
| 10 | Adams County, CO | $86 |
Expected yearly loss divided by population. A fairer way to compare places of different size.
Lowest risk among large counties
| # | County (250,000+ people) | Rating | Per person a year |
|---|---|---|---|
| 1 | King County, WA | under $1 | |
| 2 | Multnomah County, OR | under $1 | |
| 3 | Marin County, CA | under $1 | |
| 4 | Shelby County, TN | under $1 | |
| 5 | Bristol County, MA | under $1 | |
| 6 | Honolulu County, HI | under $1 | |
| 7 | Plymouth County, MA | under $1 | |
| 8 | Kitsap County, WA | under $1 | |
| 9 | San Mateo County, CA | under $1 | |
| 10 | Norfolk County, MA | under $1 |
How ratings are spread
The lists above show only the top counties, so they are all rated high. Across all 3,126 rated counties, most are Low or Very Low:
How to prepare
- Ask about the roof age and any impact-rated shingles.
- Check your home policy for a separate wind and hail deductible.
- Park under cover when storms are forecast.
States where it is most often the top hazard
Common questions
Which US county has the highest hail risk?
Dallas County, TX has the highest expected yearly hail losses in FEMA's National Risk Index, about $128 million a year. Tarrant County, TX is second at $113 million.
How many counties face hail risk?
FEMA rates hail in 3,126 of 3,144 counties in the 50 states and DC. 25 are rated Very High and 166 Relatively High.
Is hail covered by home insurance?
Usually yes for damage to the home, but check deductibles. Some states and insurers use separate wind, hail or hurricane deductibles.
Other hazards
Source: FEMA National Risk Index (December 2025). Expected annual loss is FEMA's long-run estimate of yearly damage to buildings, people and farm output, in dollars.