Hail Risk Zones & PDR Guides
Expert PDR recommendations for all 4 US hail risk zones. Find detailed strategies, repair costs, and prevention tips for your region.
How to Find Your Hail Risk Zone
Method 1: Search for your city in our city guides - each page shows the hail risk zone
Method 2: Check your location on the map below to identify your zone
Method 3: Ask your insurance agent - they track hail frequency data by region
Note: Hail risk zones are based on NOAA historical data and insurance claim patterns. Zone boundaries are approximate.
Browse by Hail Risk Zone
Extreme Hail Risk (Hail Alley)
Extreme Risk: 10-20+ hail events per year
Peak Season
March-June (peak: April-May)
Avg Repair Cost
$3,000-$8,000 per vehicle for
Primary Concern: Severe hail damage causing hundreds of dents per vehicle
4 cities in this zone
Very High Hail Risk
Very High Risk: 8-15 hail events per year
Peak Season
April-September (peak: June-July)
Avg Repair Cost
$1,500-$4,000 per vehicle for
Primary Concern: Regular hailstorms requiring periodic PDR
9 cities in this zone
Moderate Hail Risk
Moderate Risk: 6-12 hail events per year
Peak Season
May-September
Avg Repair Cost
$800-$2,500 per vehicle
Primary Concern: Infrequent but potentially severe hail events
5 cities in this zone
Low Hail Risk / High Urban Damage
Low Risk: 0-4 hail events per year (typically small)
Peak Season
Spring/Summer (if any)
Avg Repair Cost
$150-$500 per incident (typica
Primary Concern: Parking lot door dings and urban damage
4 cities in this zone
Complete Hail Zone Comparison
Compare all four hail risk zones across key factors: repair costs, insurance impact, prevention strategies, and city coverage.
| Zone | Risk Level | Annual Frequency | Typical Size | Peak Season | Avg Repair Cost | Insurance Impact | Prevention ROI | Cities |
|---|---|---|---|---|---|---|---|---|
| Zone 1 | Hail Alley | 10-20+ hail events per year | Golf ball to baseball size (1.75" to 2.75") | March-June (peak: April-May) | $3,000-$8,000 per vehicle for severe hail | +15-25% vs national average for comprehensive | Garage parking saves $3,000-$5,000 over 5 years vs open parking | 4 |
| Zone 2 | High Risk | 8-15 hail events per year | Quarter to golf ball size (1" to 1.75") | April-September (peak: June-July) | $1,500-$4,000 per vehicle for typical storm | +10-15% vs national average | Covered parking saves $1,500-$3,000 over 5 years | 9 |
| Zone 3 | Moderate Risk | 6-12 hail events per year | Pea to quarter size (0.25" to 1") | May-September | $800-$2,500 per vehicle | +5-10% vs national average | Moderate - occasional hail makes prevention valuable | 5 |
| Zone 4 | Urban Damage | 0-4 hail events per year (typically small) | Pea to dime size (0.25" to 0.75") | Spring/Summer (if any) | $150-$500 per incident (typically single/few dents) | Varies by city (comprehensive less critical) | Moderate - preventive parking habits save $500-$1,000 over 5 years | 4 |
Zone 1: Hail Alley
Action: Comprehensive coverage essential. Garage parking saves $3,000-$5,000 over 5 years.
Zone 2: High Risk
Action: Covered parking during peak season (April-Sept) saves $1,500-$3,000 over 5 years.
Zone 3: Moderate Risk
Action: Monitor weather during summer. Consider $1,000 deductible to balance premium costs.
Zone 4: Urban Damage
Action: Focus on parking lot prevention. Strategic parking saves $500-$1,000 over 5 years.
💡 Tip: Scroll horizontally on mobile devices to view all columns. Color-coded rows indicate risk level.