Hail in Clay County, TX
Clay County has a history of giant, destructive hail. NOAA radar has confirmed 39 hail events of 1 inch or larger in Clay County since 2025, the largest 4″ (grapefruit) on April 28, 2026. The most recent confirmed hail was July 5, 2026.
Did hail hit your exact address?
This page covers the whole area. Enter your address to see what NOAA radar detected over your specific roof - free, in seconds.
About Clay County, TX
Clay County sits in North Texas near the Red River and the Oklahoma line, rolling prairie and ranchland east of Wichita Falls. Spring is the peak for large hail, when Gulf moisture moving north meets drier air along the dryline to spin up powerful storms. The Altus AFB radar (KFDR) is the nearest, about 59 miles to the northwest, a moderate reach that tracks the stronger cells while its lowest scans run a little above the surface.
The hail record for Clay County, TX
The worst on record here, 4″, lands well past the roughly 1-inch point where asphalt shingles can begin to sustain damage.
Clay County sits squarely in the country's busy zone for hail.
There's no single dangerous week in Clay County. Hail spreads across spring and early summer, peaking in April.
Common questions
How often does it hail in Clay County?
NOAA radar has confirmed 39 severe hail events (1 inch or larger) in the Clay County area since 2025.
When is hail season in Clay County?
Clay County sees hail from spring into early summer, most often in April.
What's the largest hail recorded in Clay County?
Radar confirmed 4-inch hail, about grapefruit size, on April 28, 2026.
Does homeowner's insurance cover hail damage?
Hail is a covered peril under most standard homeowner's policies (typically HO-3), subject to your deductible. Whether you have replacement-cost or actual-cash-value coverage makes a big difference in what's paid out. Your declarations page will say which.
Has Clay County had hail big enough to total a roof?
4″ hail is in the range where damage can be severe enough to warrant a full roof replacement on standard asphalt shingles. Whether a roof is actually totaled depends on its material and age, how intense the storm was at your specific address, and your insurer's inspection. Hail size alone doesn't decide it.
How do I know if my roof was damaged by hail?
Common signs are granules collecting in gutters and downspouts, bruised or cracked shingles, and dents on soft metals like vents, flashing, and gutter tops. A lot of hail damage isn't visible from the ground, so a professional inspection is the reliable check.
Should I file a hail claim or pay out of pocket?
It depends on the damage versus your deductible. At the 4″ sizes seen here, damage often exceeds a typical deductible, which can make a claim worthwhile, but get a repair estimate first to compare, and keep in mind that filing can affect future premiums.
Recent confirmed hail near Clay County, TX
What this means for your home
Don't overlook vehicle damage
Hail at the 4″ sizes Clay County has seen also dents vehicles, cracks glass, and chips paint. Document car damage alongside your roof before any repairs. Both can be part of the same claim.
If you were just hit
With recent hail in Clay County, you're still in the window to document and report it. Photograph any damage, note the storm date, confirm what radar detected at your address, and review your policy's reporting requirements. Deadlines vary.
Read anything before you sign it
Some contractors ask storm-hit homeowners to sign an "assignment of benefits," which can hand control of your insurance claim to them. Read it closely. You can document and file a claim yourself without giving that up.
Document before you repair
If you suspect hail damage, photograph it and note the storm's date before making any repairs. Undocumented or already-fixed damage is much harder to claim later.
Replacement cost vs. actual cash value
An RCV policy pays to replace your roof at today's prices; an ACV policy subtracts depreciation for the roof's age, which can mean a much smaller check on an older roof. Knowing which you carry shapes what a hail claim is actually worth.
Claims have deadlines
Policies set a deadline for hail-damage claims, and state law may also apply. Windows range from months to several years depending on your state and policy. Knowing the exact date hail hit your address helps you file on time.
Before you call your insurer
Get the radar evidence for your address.
A NOAA Radar Evidence Report documents exactly what federal radar recorded at your address - hail size, date, and signature - in a formatted PDF you can attach to a claim. Built entirely from public NOAA data.
Events are NOAA/NWS Severe Thunderstorm Warnings with confirmed hail ≥ 1 inch, matched to this county by the warning centroid. Federal public-domain data. A confirmed event indicates radar-detected hail over the area, not a guarantee of damage to any specific property.