Hail in Cooke County, TX
Cooke County sees genuinely damaging hail. NOAA radar has confirmed 17 hail events of 1 inch or larger in Cooke County since 2025, the largest 2.8″ (baseball) on May 19, 2025. The most recent confirmed hail was May 10, 2026.
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About Cooke County, TX
Cooke County sits on the Red River at the north edge of Texas, in the Cross Timbers belt of oak and prairie. Late-spring storms riding the dryline and passing fronts produce the county's heaviest hail as moisture from the Gulf feeds tall updrafts. Radar sits well off here, the nearest beam from Dallas/Ft Worth (KFWS) some 74 miles to the south, riding high overhead by the time it reaches the county.
The hail record for Cooke County, TX
At the 2.8″ mark Cooke County has recorded, hail can crack windshields and pock sheet metal, the kind of storm that fills body shops as fast as it fills roofers' calendars.
Cooke County sits in an active hail corridor for severe storms.
The hail clusters in May; the rest of the year is comparatively quiet.
Common questions
How often does it hail in Cooke County?
NOAA radar has confirmed 17 severe hail events (1 inch or larger) in the Cooke County area since 2025.
When is hail season in Cooke County?
Hail in Cooke County is concentrated in May, within a season that runs spring into early summer.
What's the largest hail recorded in Cooke County?
Radar confirmed 2.8-inch hail, about baseball size, on May 19, 2025.
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 Cooke County had hail big enough to total a roof?
2.8″ 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 2.8″ 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 Cooke County, TX
What this means for your home
Don't overlook vehicle damage
Hail at the 2.8″ sizes Cooke 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.
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.
Know your hail deductible
Many policies in hail-prone states use a percentage deductible, often 1–2% of the home's insured value rather than a flat dollar amount. On a $400,000 home that can be $4,000–$8,000 out of pocket before coverage starts, so it's worth checking your declarations page before a storm.
Get more than one estimate
After a damaging storm, reputable local roofers get busy and out-of-town crews flood in. Get multiple written estimates and verify licensing and local references before signing anything.
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.