Hail in Sullivan County, MO
Hail big enough to damage a home is a recurring reality in Sullivan County. NOAA radar has confirmed 20 hail events of 1 inch or larger in Sullivan County since 2025, the largest 3.4″ (baseball) on May 16, 2026. The most recent confirmed hail was June 11, 2026.
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About Sullivan County, MO
Sullivan County sits on the rolling till plains of north-central Missouri, open farmland north of the Missouri River near the Iowa border. Hail comes only occasionally, but storms organizing along fronts from the west can on a strong day grow stones to marble or quarter size. The Des Moines (KDMX) radar is the nearest at about 110 miles to the north, far enough that it mainly captures the elevated structure of storms rather than fine surface detail.
The hail record for Sullivan County, MO
At the 3.4″ mark Sullivan 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.
Sullivan County sits squarely in the country's busy zone for hail.
This year has run hot: 18 confirmed events in 2026 already, ahead of the recent pace.
Common questions
How often does it hail in Sullivan County?
NOAA radar has confirmed 20 severe hail events (1 inch or larger) in the Sullivan County area since 2025.
When is hail season in Sullivan County?
Sullivan County sees hail from spring into early summer, most often in June.
What's the largest hail recorded in Sullivan County?
Radar confirmed 3.4-inch hail, about baseball size, on May 16, 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.
Has Sullivan County had hail big enough to total a roof?
3.4″ 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 3.4″ 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 Sullivan County, MO
What this means for your home
Don't overlook vehicle damage
Hail at the 3.4″ sizes Sullivan 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.
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.
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.