Hail in Putnam County, MO
Putnam County is one of the more hail-prone places in the country. NOAA radar has confirmed 12 hail events of 1 inch or larger in Putnam County since 2026, the largest 1.8″ (golf ball) on April 2, 2026. The most recent confirmed hail was August 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 Putnam County, MO
Putnam County sits along the Iowa border in north-central Missouri, rolling farmland and pasture drained by small rivers. Hail tends to come with spring and early-summer storms, as fronts crossing the region occasionally organize into cells that drop marble to golf ball size stones. Coverage comes from the Des Moines (KDMX) radar roughly 94 miles to the northwest, a range at which the beam favors the higher portions of storms over what is happening near the ground.
The hail record for Putnam County, MO
Putnam County sits in an active hail corridor for severe storms.
Rather than a single peak, hail turns up from spring through summer in Putnam County, most often in June.
Common questions
How often does it hail in Putnam County?
NOAA radar has confirmed 12 severe hail events (1 inch or larger) in the Putnam County area since 2026.
When is hail season in Putnam County?
Putnam County sees hail from spring into early summer, most often in June.
What's the largest hail recorded in Putnam County?
Radar confirmed 1.8-inch hail, about golf ball size, on April 2, 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.
Will it hail again in Putnam County this year?
Putnam County'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.
Did it hail in Putnam County in 2026?
Yes, 12 confirmed hail events so far in 2026, most recently August 5, 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 Putnam County, MO
What this means for your home
Damage can be invisible from the ground
At Putnam 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.
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.
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.
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.