Hail in Morgan County, AL
NOAA radar has confirmed 1 hail event of 1 inch or larger in Morgan County since 2025, the largest 1″ (quarter) on September 17, 2025. The most recent confirmed hail was September 17, 2025.
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About Morgan County, AL
Morgan County sits in the Tennessee Valley of north Alabama, rolling farmland and the Decatur area along a bend of the Tennessee River. Hail is infrequent; the stronger spring storms ride fronts pulling Gulf moisture north, yet their stones tend to stay modest. KHTX out of northeast Alabama is the nearest radar, about 55 miles to the northeast, near enough to follow storm structure though its lowest sweeps begin to ride above the ground at this reach.
The hail record for Morgan County, AL
The hail clusters in September; the rest of the year is comparatively quiet.
Morgan County is no Plains hot spot, but the storms that do reach it have still dropped hail up to 1″.
Common questions
How often does it hail in Morgan County?
NOAA radar has confirmed 1 severe hail event (1 inch or larger) in the Morgan County area since 2025.
When is hail season in Morgan County?
Hail in Morgan County is concentrated in September, within a season that runs spring into early summer.
What's the largest hail recorded in Morgan County?
Radar confirmed 1-inch hail, about quarter size, on September 17, 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.
Is Morgan County's hail big enough to damage a roof?
It can be. Asphalt shingles can begin showing functional damage in the ¾-to-1-inch range, and Morgan County's confirmed hail reaches 1″. At these sizes damage is often hard to see from the ground, so whether it's a claimable loss depends on shingle type, age, and an inspection.
Did it hail in Morgan County in 2026?
No 1-inch-or-larger hail has been confirmed in Morgan County so far in 2026.
How much does hail roof damage cost to repair?
It ranges widely. Minor repairs can run a few hundred dollars, while a full roof replacement on an average home often runs $8,000–$20,000+ depending on size, pitch, and material. What you actually pay depends on your deductible and whether your policy is replacement-cost or actual-cash-value.
Recent confirmed hail near Morgan County, AL
What this means for your home
Damage can be invisible from the ground
At Morgan County's typical sizes, hail often bruises shingles and loosens granules without obvious holes, shortening roof life in ways that are easy to miss until the next storm or an inspection.
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.
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.
Keep a 'before' record
Photos of your roof and exterior in good condition make new hail damage much easier to prove later. A few shots now, before the next storm, can save an argument with an adjuster over what's old wear and what's storm damage.
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.
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.