Midwest & Tornado Alley
The hail corridor is tightening too — see who's likely still writing
Florida and California get the headlines. But across Illinois, Indiana, Ohio, Missouri and Tornado Alley, severe-convective-storm risk is repricing premiums fast, with far less attention. CoverGuard puts it on every property check.
The hail picture, sourced
- US properties at moderate-or-greater hail risk
- More than 43.5 millionModeled estimate
- Source: 2026 Cotality Severe Convective Storm Risk Report · Last checked 2026-03-24, 228 days ago. Past our 180-day review window, so treat it as indicative rather than current.
- A national count from a third-party model; it says nothing about any one property.
- Reconstruction cost value at hail risk
- About $17.8 trillionModeled estimate
- Source: 2026 Cotality Severe Convective Storm Risk Report · Last checked 2026-03-24, 228 days ago. Past our 180-day review window, so treat it as indicative rather than current.
- Reconstruction cost, not market value and not an insured-loss estimate.
Hail reports in the corridor, 2016–2025
Every hail report the National Weather Service logged in the corridor’s states, year by year, with the largest hailstone reported that year. Each one links to its NOAA record.
2025
6,569 hail reports · 864 at 2 inches or larger
Largest reported: 6 inches, Dickens County, Texas, May 25, 2025. NOAA event 1254139
2024
7,029 hail reports · 950 at 2 inches or larger
Largest reported: 7.02 inches, Swisher County, Texas, Jun 2, 2024. NOAA event 1174108
2023
8,838 hail reports · 1,276 at 2 inches or larger
Largest reported: 5.9 inches, Denton County, Texas, Jun 15, 2023. NOAA event 1109306
2022
5,123 hail reports · 499 at 2 inches or larger
Largest reported: 6 inches, Loup County, Nebraska, May 29, 2022. NOAA event 1021285
2021
4,441 hail reports · 575 at 2 inches or larger
Largest reported: 6.42 inches, Medina County, Texas, Apr 28, 2021. NOAA event 956759
2020
5,773 hail reports · 629 at 2 inches or larger
Largest reported: 5.33 inches, Wichita County, Texas, May 22, 2020. NOAA event 897377
2019
6,466 hail reports · 565 at 2 inches or larger
Largest reported: 5.5 inches, Collingsworth County, Texas, May 20, 2019. NOAA event 826585
2018
5,773 hail reports · 516 at 2 inches or larger
Largest reported: 5.5 inches, Bastrop County, Texas, Mar 18, 2018. NOAA event 745234
2017
7,814 hail reports · 678 at 2 inches or larger
Largest reported: 5 inches, Ector County, Texas, Jun 14, 2017. NOAA event 703825
2016
6,740 hail reports · 639 at 2 inches or larger
Largest reported: 5.25 inches, Collin County, Texas, Apr 11, 2016. NOAA event 633035
The record by state, 2016–2025
The tier is CoverGuard's own hail-corridor classification, not part of the NOAA record. The report counts beside it are NOAA observations.
| State | Hail-corridor tier (CoverGuard) | NOAA hail reports | 2 inches or larger |
|---|---|---|---|
| Illinois | Tier 2 | 2,878 | 196 |
| Indiana | Tier 2 | 1,456 | 109 |
| Ohio | Tier 2 | 1,584 | 64 |
| Missouri | Tier 2 | 3,944 | 343 |
| Kansas | Tier 2 | 7,353 | 838 |
| Nebraska | Tier 2 | 5,338 | 679 |
| Oklahoma | Tier 2 | 5,409 | 678 |
| Texas | Tier 2 (north only) | 12,919 | 1,986 |
| Iowa | Tier 3 | 3,386 | 270 |
| Minnesota | Tier 3 | 3,845 | 355 |
| Wisconsin | Tier 3 | 2,376 | 171 |
| Michigan | Tier 3 | 845 | 63 |
| Arkansas | Tier 3 | 2,011 | 208 |
| South Dakota | Tier 3 | 4,278 | 413 |
| North Dakota | Tier 3 | 2,453 | 235 |
| Colorado | Tier 3 | 4,491 | 583 |
- Source
- NOAA NCEI Storm Events Database, event type "Hail"
- Date
- Last checked 2026-10-17.
- Geographic resolution
- County or forecast zone for each report; totals by state
- Classification
- Observed and derived — report counts are observed NWS reports as NCEI published them (files dated 2026-03-23 to 2026-08-19; the latest year is still being revised); the state record's hail-corridor tier is derived from CoverGuard's own hail-corridor classification, not from NOAA
- What it decides
- Shows how often and how large hail has been reported across the corridor. It does not score a property.
- Limitation
- Counts are National Weather Service hail reports, not storms, claims or losses, and they rise where more people are watching. Texas is counted statewide, though CoverGuard treats only north Texas as corridor. A state total says nothing about any one property.
- When to refresh
- NCEI reissues each year’s file as reports are finalized, and the prior year is usually complete by late spring. Re-run after each new complete year, and at least every 180 days.
A third geographic narrative — beyond FL and CA
Premiums in the hail corridor are rising without the same crisis framing the coasts have had. CoverGuard shows the risk, with its sources, on every property check.
- See severe-convective-storm (hail) exposure for any property, scored 0–100 alongside flood, fire, wind, earthquake and crime
- Know modeled carrier availability and appetite for the state market at that risk profile
- Frame rising premiums for clients before they bid, with sourced public data — not marketing claims
- Works across the IL/IN/OH/MO corridor and Tornado Alley (KS/NE/OK/TX-N)
The corridor, as CoverGuard classifies it
| Tier | Places |
|---|---|
| Tier 1The Chicago metro, which CoverGuard classifies as its own tier. | Chicago metro, Illinois |
| Tier 2Core corridor states. | Illinois, Indiana, Ohio, Missouri, Kansas, Nebraska, Oklahoma, Texas (north) |
| Tier 3Corridor-adjacent states, elevated but not core. | Iowa, Minnesota, Wisconsin, Michigan, Arkansas, South Dakota, North Dakota, Colorado |
Source: CoverGuard's hail-corridor classification, the rule applied to every address you check. A tier describes a region, not a specific property.
Get ahead of the hail-corridor story
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