Hail in Montague County, TX
Hail in Montague County regularly reaches sizes that can wreck roofs and total vehicles. NOAA radar has confirmed 26 hail events of 1 inch or larger in Montague County since 2025, the largest 2.8″ (baseball) on May 19, 2025. The most recent confirmed hail was May 24, 2026.
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About Montague County, TX
Montague County lies in North Texas along the Red River and the Oklahoma line, rolling prairie and oak country northwest of the Metroplex. Spring brings the worst of the hail, when moist Gulf air and drier plains air clash along the dryline to build severe storms. Radar reaches the county from Dallas/Ft Worth's KFWS about 80 miles to the south, far enough that its lowest scans pass above the surface here and tend to show storm tops rather than what falls to the ground.
The hail record for Montague County, TX
A single 2.8″ storm is enough to put a neighborhood into a roofing season. That's the size Montague County has already seen.
With 26 confirmed events on record since 2025, Montague County ranks among the country's more active spots for hail.
The hail clusters in May; the rest of the year is comparatively quiet.
Common questions
How often does it hail in Montague County?
NOAA radar has confirmed 26 severe hail events (1 inch or larger) in the Montague County area since 2025.
When is hail season in Montague County?
Hail in Montague County is concentrated in May, within a season that runs spring into early summer.
What's the largest hail recorded in Montague 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 Montague 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 Montague County, TX
What this means for your home
Don't overlook vehicle damage
Hail at the 2.8″ sizes Montague 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.
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.
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.