Hail in O'Fallon, MO
O'Fallon is one of the more hail-prone places in the country. NOAA radar has confirmed 20 hail events of 1 inch or larger in O'Fallon since 2025, the largest 2.5″ (tennis ball) on May 16, 2025. The most recent confirmed hail was July 4, 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 O'Fallon, MO
O'Fallon sits in eastern Missouri northwest of St. Louis, on the terrain near the Missouri River. Storms moving through in spring, fed by Gulf moisture, can turn severe and drop large hail. The St Louis (KLSX) radar sits close by, about 6 miles to the south.
The hail record for O'Fallon, MO
O'Fallon is the kind of place where homeowners tend to know a roofer by name.
The hail clusters in April; the rest of the year is comparatively quiet.
Common questions
How often does it hail in O'Fallon?
NOAA radar has confirmed 20 severe hail events (1 inch or larger) in the O'Fallon area since 2025.
When is hail season in O'Fallon?
Hail in O'Fallon is concentrated in April, within a season that runs spring into early summer.
What's the largest hail recorded in O'Fallon?
Radar confirmed 2.5-inch hail, about tennis ball size, on May 16, 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.
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.
Hail just hit, what should I do?
Safely photograph any hail and note the time, then confirm what radar recorded at your address before calling your insurer. Most policies require prompt notice after a hail event, and deadlines vary by policy and state, so don't wait to document it.
Will it hail again in O'Fallon this year?
O'Fallon's record already includes more than one confirmed event in a single season. That's what the data shows so far, not a prediction for any given season.
Recent confirmed hail near O'Fallon, MO
What this means for your home
If you were just hit
With recent hail in O'Fallon, 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.
Damage can be invisible from the ground
At O'Fallon'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.
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.
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.
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 city by warning-area overlap. Federal public-domain data. A confirmed event indicates radar-detected hail over the area, not a guarantee of damage to any specific property.