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FM Global

Property Loss Prevention Data Sheets

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October 2014
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HAIL DAMAGE

Table of Contents
Page
1.0 SCOPE ................................................................................................................................................... 2
1.1 Changes .......................................................................................................................................... 2
2.0 LOSS PREVENTION RECOMMENDATIONS ....................................................................................... 2
2.1 Construction and Location ............................................................................................................... 2
2.1.2 Recommendations Applicable to Facilities in Very Severe or Severe Hail Hazard Areas ..... 4
2.2 Operation and Maintenance .............................................................................................................. 5
3.0 SUPPORT FOR RECOMMENDATIONS ................................................................................................. 5
3.1 Loss Experience ................................................................................................................................ 5
3.2 Loss History ..................................................................................................................................... 6
4.0 REFERENCES ....................................................................................................................................... 8
4.1 FM Global ........................................................................................................................................ 8
4.2 Other .................................................................................................................................................. 8
APPENDIX A GLOSSARY OF TERMS ....................................................................................................... 8
APPENDIX B DOCUMENT REVISION HISTORY ....................................................................................... 8
APPENDIX C SUPPORTING INFORMATION ............................................................................................. 9

List of Figures

Fig.
Fig.
Fig.
Fig.
Fig.
Fig.
Fig.
Fig.
Fig.

1.
2.
3.
4.
5.
6.
7.
8.
9.

Size comparison of large hail stone to golf ball ................................................................................. 2


Size comparison of large hail stone to tennis ball ............................................................................. 2
Hail damaged HVAC unit ................................................................................................................... 4
HVAC unit with hail guard over cooling fins at same location as hail damaged unit in Figure 3 ..... 4
Hail damage to severely alligatored roof (built-up roof) .................................................................. 6
Hail damage to asbestos cement roof ............................................................................................... 7
Hail damage to clay roof tiles ............................................................................................................. 7
Hailstorm hazard map for the United States ................................................................................... 15
Texas counties in very severe hail area with US inset ................................................................... 16

List of Tables

Table
Table
Table
Table
Table
Table

1.
2.
3.
3.
3.
3.

Roof Hail Ratings1 ............................................................................................................................ 3


Impact Energy of Hail Stones (For Design Purposes) .................................................................... 6
Hail Zones for Texas (USA) Counties ............................................................................................. 10
Hail Zones for Texas (USA) Counties (Contd) ............................................................................... 11
Hail Zones for Texas (USA) Counties (Contd) ............................................................................. 12
Hail Zones for Texas (USA) Counties (Contd) ............................................................................... 13

2014 Factory Mutual Insurance Company. All rights reserved. No part of this document may be reproduced,
stored in a retrieval system, or transmitted, in whole or in part, in any form or by any means, electronic, mechanical,
photocopying, recording, or otherwise, without written permission of Factory Mutual Insurance Company.

1-34

Hail Damage

Page 2

FM Global Property Loss Prevention Data Sheets

1.0 SCOPE
This data sheet provides loss prevention guidelines to aid in minimizing the potential for hail damage to roofs,
roof-mounted equipment and other outdoor equipment. It does not apply to photovoltaic panels and ancillary
equipment that are roof or ground mounted, concentrating solar power systems, or wind turbines. Refer to
Data Sheet 1-15, Roof Mounted Solar Photovoltaic Panels; Data Sheet 7-105, Concentrating Solar Power;
Data Sheet 7-106, Ground Mounted Solar Photovoltaic Power; or Data Sheet 13-10, Wind Turbines.
Follow guidance in Data Sheet 1-28, Wind Design, for appropriate wind ratings, and in Data Sheet 1-29,
Roof Deck Securement and Above-Deck Roof Components, for interior and exterior fire ratings.
1.1 Changes
October 2014. This document was completely rewritten. The following major changes were made:
A. Scope was revised to apply to all locations.
B. Recommendations were added to provide FM Approved hail rated products, and previous
recommendations were edited.
C. Very severe hail (VSH) area was added and definitions for severe and moderate hail hazard areas
were clarified.
D. Information on hail test standards was added.
E. Loss History, References, and Appendix A were expanded.
2.0 LOSS PREVENTION RECOMMENDATIONS
Hailstorms are widespread, with damaging hail (Figs. 1 and 2) found in many areas, but with the highest
frequency in severe and very severe hail areas.

Fig. 1. Size comparison of large hail stone to golf ball

Fig. 2. Size comparison of large hail stone to tennis ball

2.1 Construction and Location


2.1.1 The following recommendations are applicable to all facilities in all hail zones:
2.1.1.1 Provide FM Approved roof assemblies with hail ratings according to Table 1, Roof Hail Ratings. See
Appendix C for the map of very severe, severe and moderate hail hazards areas in the US and Table 3,
Hail Zones for Texas Counties. Appendix A, Glossary of Terms, has definitions of severe and moderate hail
hazard areas outside the United States.

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Hail Damage

1-34
Page 3

FM Global Property Loss Prevention Data Sheets

Table 1. Roof Hail Ratings1


Hail Hazard Area
Very severe (VSH)
Severe (SH)
Moderate (MH)

Roof Hail Rating


VSH or FM Class 4
VSH, SH, FM Class 3 or 4
VSH, SH, MH, FM Class 2, 3, or 4

SH and MH hail ratings are for single-ply, multi-ply or panel roofs Approved per FM Class 4470 or 4471. FM Class 2, 3, and 4 hail ratings
are for roof shingles Approved per FM Class 4473 or 4475.

FM Approvals requirements for Very Severe Hail (VSH) rated roof assemblies are being developed with no
FM Approved VSH rated roof assemblies at this time. Where FM Approved VSH roof assemblies are
recommended and are not available, use assemblies that are Specification Tested to a Class 4 rating using
FM 4473 or Approved per FM 4475. Specification Tested products are in the online Approval Guide.

Stone or paver ballasted roofs (which are not Approved by FM Approvals) are acceptable in all areas, subject
to the limitations in Data Sheet 1-29, Roof Deck Securement and Above-Deck Roof Components. Do not
use stone-ballasted roofs on buildings taller than 150 ft (46 m), or in areas with design wind speeds greater
or equal to 100 mph (45 m/s).
Do not use roofs with gravel surfacing of any kind where the basic wind speed is equal to or greater than
100 mph (45 m/s). Refer to Data Sheet 1-28, Wind Design, for the design wind speed and for exceptions.
2.1.1.2 Select any FM Approved perimeter flashing system and install according to Data Sheet 1-49, Perimeter
Flashing. (FM Approved flashing does not have a hail impact rating.) It is critical that proper cant strips are
provided when required to support built-up or modified bitumen roof covers at the junction between the roof
and parapets, roof dividers, or equipment curbs since unsupported roof covers are especially prone to hail
damage.
2.1.1.3 Select FM Approved Class 1 wall panels with an S (severe) hail rating in very severe or severe hail
areas or with an S (severe) or M (moderate) hail rating in moderate hail areas, or select wall systems that
are inherently fire and hail resistant such as brick or concrete block.
2.1.1.4 Where the local authority having jurisdiction (AHJ, also referred to as the code official) requires
smoke and heat vents, select ones that are FM Approved. Ones with non-metallic domes should have a
severe hail rating in very severe or severe hail areas, and a severe or moderate hail rating in moderate hail
areas. Follow guidance in Data Sheet 1-10, Interaction of Sprinklers, Smoke and Heat Vents, and Draft
Curtains.
Heat and smoke vents can also be protected with minimum No. 11 gauge (0.1205 in.) (3.06 mm) diameter
steel wire mesh with maximum mesh opening size of 1.0 in (25 mm) and supported on a steel framework.
Increase the wire size if the shortest span (distance between supporting frame members) exceeds 6 ft (1.83
m).
2.1.1.5 Select FM Approved skylights with a severe hail rating in very severe or severe hail areas, and with
severe or moderate hail rating in moderate hail areas. Plastic panels installed into metal roofs may be known
as light bands but are considered skylights in the Approval Guide. Follow guidance in Data Sheet 1-28, Wind
Design, for appropriate wind ratings.
Skylights can also be protected with minimum No. 11 gauge (0.1205 in.) (3.06 mm) diameter steel wire mesh
with maximum mesh opening size of 1.0 in. (25 mm) and supported on a steel framework. Increase the wire
size if the shortest span (distance between supporting frame members) exceeds 6 ft (1.83 m).
2.1.1.6 Provide roof drainage in accordance with Data Sheet 1-54, Roof Loads for New Construction.

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Hail Damage
FM Global Property Loss Prevention Data Sheets

2.1.2 Recommendations Applicable to Facilities in Very Severe or Severe Hail Hazard Areas
2.1.2.1 Provide hail guards or steel wire mesh over cooling fins on heating, ventilating, and air conditioning
(HVAC) equipment. When wire mesh is used, use minimum No. 11 gauge (0.1205 in.) (3.06 mm) diameter
steel wire mesh with maximum mesh opening size of 1.0 in. (25 mm) and supported on a steel framework.
Increase the wire size if the shortest span (distance between supporting frame members) exceeds 6 ft (1.8
m).

Fig. 3. Hail damaged HVAC unit

Fig. 4. HVAC unit with hail guard over cooling fins at same location as hail damaged unit in Figure 3
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Hail Damage

1-34

FM Global Property Loss Prevention Data Sheets

Page 5

2.1.2.2 Provide hail screens or guards over critical outdoor equipment that is vulnerable to damage from
very severe hail in very severe hail areas (not tested to withstand impact energy of 23.75 ft lb (32.2 J) or severe
hail in severe hail areas (not tested to withstand impact energy of 14 ft lb [19 J]). When hail screens or guards
are not commercially available they can be built using steel wire mesh supported on a steel framework with
a maximum mesh opening size of 1.0 in. (25 mm). Wire size should be No. 11 gauge (0.1205 in.) (3.06 mm).
Wire size should be increased if the shortest span (distance between supporting frame members) exceeds
6 ft (1.83 m).
2.2 Operation and Maintenance
2.2.1 Inspect roofs regularly according to the roofing manufacturers guidelines, but at least semi-annually
and following storms. Manufacturers should have inspection forms available that should be completed and
kept on file.
Inspections should be conducted by a qualified person who verifies that the roof surface is watertight without
any punctures or cracks, and any insulation appears firm and not water damaged. The underside of the roof
deck should be checked for indications of roof leaks.
2.2.1.1 For built-up and modified bitumen roof covers, verify that the original surface coating, such as granules
or gravel, is intact and covering all areas. Look for deficiencies such as blisters, deteriorating felts (scrim
is showing) and alligatored surfaces that are especially prone to hail damage. Deficiencies over a large area
may indicate the roof cover needs to be replaced and a registered roof consultant (RRC, as certified by RCI,
Inc.) should inspect the roof.
A registered roof consultant (RRC) is a designation made by RCI, Incorporated; which is an international
association of professional consultants, architects, and engineers who specialize in the specification and
design of roofing, waterproofing, and exterior wall systems. For those locations outside the United States
where this qualification may not be available, the roof consultant should have completed specialized training
or certification from an industry recognized organization.
2.2.1.2 Inspect single-ply membranes for crazing (very fine cracks in the membrane surface) or signs of
stretching at the edges and seams, indicating probable embrittlement. Membranes with either condition are
especially prone to hail damage and should be promptly inspected by an RRC as certified by RCI Inc.
2.2.1.3 Inspect liquid applied roof covers for crazing, cracking, peeling, flaking or erosion. Areas with these
conditions are especially prone to hail damage and should be promptly inspected by an RRC as certified
by RCI Inc.
2.2.1.4 Make roof repairs promptly in accordance with manufacturers guidelines, and follow Data Sheet 10-3,
Hot Work Management, for all hot work.
3.0 SUPPORT FOR RECOMMENDATIONS
3.1 Loss Experience
3.1.1 Hail guards are designed to protect cooling fins and condenser coils on heating, ventilating, and air
conditioning (HVAC) equipment from hail and are usually available as an option from the HVAC manufacturer
but can also be obtained from other suppliers.
3.1.2 Metal roofs are rarely breached by even large hail, and should keep the contents protected and dry,
unless they are severely corroded.
3.1.3 Hail many times blocks roof drains and gutters allowing water to enter the building if there is not a
watertight seal between the gutters and the underside of the roof as recommended in DS 1-54 section
2.5.4.1.8.
3.1.4 FM Approvals severe and Class 3 hail impact ratings approximate the impact energy of 1 in. (44
mm) diameter hail at terminal velocity which is approximately 14 ft-lb (19 J). The moderate and Class 2 hail
impact ratings approximate the impact energy of 1 in. (38 mm) diameter hail at terminal velocity which
is approximately 8 ft-lb (10.8 J). Refer to Table 2 for the terminal velocities and impact energies of various
size hail stones.

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1-34

Hail Damage

Page 6

FM Global Property Loss Prevention Data Sheets

1inch

0 1cm 2 3 4 5 6 7 8 9 10 11 12 13 14 15

Fig. 5. Hail damage to severely alligatored roof (built-up roof)


Table 2. Impact Energy of Hail Stones (For Design Purposes)
Stone Diameter
in.
1
1.5
2
2.5
3

mm
25
38
51
64
76

Terminal Velocity
ft/sec
m/sec
73
22.3
90
27.4
105
32.0
117
35.7
130
39.6

ft lbs
1
8
22
53
120

Impact Energy
Joules
1.30
10.9
29.8
71.9
163

Reference: Hail Resistance of Roofing Products Building Science Series 23

3.2 Loss History


Hail can damage most exposed surfaces but the majority of damage is to roofs. Cooling fins and condenser
coils of roof top heating, ventilating, and air conditioning equipment and skylights are usually damaged with
less damage to windows, walls and other equipment. Several of the largest losses have been to outside
storage of automobiles. Hail usually impacts all buildings and outside storage at the entire site.
The most damageable roofs are asbestos-cement, cementitious fiber and any roof in poor condition.
Figure 6 shows an asbestos-cement roof where hail punctured holes throughout the roof allowing rain water
to wet the entire building and machinery and also contaminating the interior with asbestos. The entire roof
needs to be replaced, which along with asbestos clean-up, will affect operations for several months. Although
this was impacted by 3 in. (76 mm) diameter hail, even small hail can easily puncture these old, brittle roofs.
Figure 7 shows clay roof tiles that were decimated by hail. Besides a new roof, there can be significant water
damage to the building interior if there is not a solid roof deck with taped seams under the clay tiles.

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Hail Damage

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FM Global Property Loss Prevention Data Sheets

Fig. 6. Hail damage to asbestos cement roof

Fig. 7. Hail damage to clay roof tiles

2014 Factory Mutual Insurance Company. All rights reserved.

Page 7

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Hail Damage

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FM Global Property Loss Prevention Data Sheets

4.0 REFERENCES
4.1 FM Global
Data
Data
Data
Data
Data
Data
Data
Data
Data
Data
Data

Sheet
Sheet
Sheet
Sheet
Sheet
Sheet
Sheet
Sheet
Sheet
Sheet
Sheet

1-10, Interaction of Sprinklers, Smoke and Heat Vents, and Draft Curtains
1-15, Roof Mounted Solar Photovoltaic Panels
1-28, Wind Design
1-28R/1-29R, Roof Systems
1-29, Roof Deck Securement and Above-Deck Roof Components
1-35, Green Roofs
1-49, Perimeter Flashing
1-54, Roof Loads for New Construction
7-105, Concentrating Solar Power
7-106, Ground Mounted Solar Photovoltaic Power
13-10, Wind Turbines

FM Approvals. Test Procedure, Test Method for Determining the Susceptibility to Hail Damage of Roof
Coverings. November 2010.
4.2 Other
ANSI FM 4473. Test Standard for Impact Resistance Testing of Rigid Roofing Materials by Impacting with
Freezer Ice balls. January 2011.
ASTM International. Standard Specification for Mineral Aggregate Used on Built-Up Roofs. ASTM D1863/
D1863M - 05(2011)e1, 2011.
EN 13583:2001. Flexible sheets for waterproofing. Bitumen, plastic and rubber sheets for roof waterproofing.
Determination of hail resistance. November 2001.
APPENDIX A GLOSSARY OF TERMS
FM Approved: Reference to FM Approved in this data sheet means the product or service has satisfied
the criteria for Approval by FM Approvals. Refer to the Approval Guide, or Roof Nav online resources of FM
Approvals, for a complete listing of products and services that are FM Approved.
Hail day: A day where minimum in. (19 mm) diameter hail occurred within 25 mi (40 km) of a location.
Moderate hail hazard areas: Areas in the United States shown as Moderate in Figure 8 Hailstorm hazard
map for the United States or areas outside the United States that have not experienced on average at least
three hail days per year.
Severe hail hazard areas: Areas in the United States shown as Severe in Figure 8 Hailstorm hazard map
for the United States or areas outside the United States that have experienced on average at least three
hail days per year.
Specification Tested: Products that have been evaluated by FM Approvals according to recognized standards
and are subject to examinations and follow-up by FM Approvals.
Square: A roofing term meaning 100 ft2 (9.28 m) of roofing area.
Very Severe hail hazards areas: Areas in the United States shown as Very Severe in Figure 8, Hail storm
hazard map for the United States.
APPENDIX B DOCUMENT REVISION HISTORY
October 2014. This document was completely rewritten. The following major changes were made:
A. Scope was revised to apply to all locations.
B. Recommendations were added to provide FM Approved hail rated products, and previous
recommendations were edited.
C. Very severe hail (VSH) area was added and definitions for severe and moderate hail hazard areas
were clarified.
D. Information on hail test standards was added.
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Hail Damage

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FM Global Property Loss Prevention Data Sheets

E. Loss History, References, and Appendix A were expanded.


September 2009. Hailstorm hazard map was reformatted. No technical changes were made.
January 2009. Minor editorial changes were made for this revision.
May 2008. Appendix B, Document Revision History was updated.
May 2001. Hailstorm hazard map was improved and is now located at the end of the data sheet.
January 2000. This revision of the document has been reorganized to provide a consistent format.
May 1998. Revised.
October 1985. DS 1-47S.1 was replaced with a new DS 1-34.
APPENDIX C SUPPORTING INFORMATION

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Page 9

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FM Global Property Loss Prevention Data Sheets

Table 3. Hail Zones for Texas (USA) Counties


County
Anderson
Andrews
Angelina
Aranas
Archer
Armstrong
Atascosa
Austin
Bailey
Bandera
Bastrop
Baylor
Bee
Bell
Bexar
Blanco
Borden
Bosque
Bowie
Brazoria
Brazos
Brewster
Briscoe
Brooks
Brown
Burleson
Burnet
Caldwell
Calhoun
Callahan
Cameron
Camp
Carson
Cass
Castro
Chambers
Cherokee
Childress
Clay
Cochran
Coke
Coleman
Collin
Collingsworth
Colorado
Comal
Comanche
Concho
Cooke
Coryell
Cottle
Crane
Crockett
Crosby
Culberson

State
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX

2014 Factory Mutual Insurance Company. All rights reserved.

Hail Zone
Severe
Very Severe
Severe
Severe
Very Severe
Very Severe
Severe
Severe
Very Severe
Severe
Severe
Very Severe
Severe
Severe
Severe
Severe
Very Severe
Very Severe
Very Severe
Severe
Severe
Severe
Very Severe
Severe
Severe
Severe
Severe
Severe
Severe
Very Severe
Severe
Very Severe
Very Severe
Very Severe
Very Severe
Severe
Severe
Very Severe
Very Severe
Very Severe
Severe
Severe
Very Severe
Very Severe
Severe
Severe
Severe
Severe
Very Severe
Severe
Very Severe
Severe
Severe
Very Severe
Severe

Hail Damage

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FM Global Property Loss Prevention Data Sheets

Page 11

Table 3. Hail Zones for Texas (USA) Counties (Contd)


County
Dallam
Dallas
Dawson
Deaf Smith
Delta
Denton
DeWitt
Dickens
Dimmit
Donley
Duval
Eastland
Ector
Edwards
El Paso
Ellis
Erath
Falls
Fannin
Fayette
Fisher
Floyd
Foard
Fort Bend
Franklin
Freestone
Frio
Gaines
Galveston
Garza
Gillespie
Glasscock
Goliad
Gonzales
Gray
Grayson
Gregg
Grimes
Guadalupe
Hale
Hall
Hamilton
Hansford
Hardeman
Hardin
Harris
Harrison
Hartley
Haskell
Hays
Hemphill
Henderson
Hidalgo
Hill
Hockley

State
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX

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Hail Zone
Very Severe
Very Severe
Very Severe
Very Severe
Very Severe
Very Severe
Severe
Very Severe
Severe
Very Severe
Severe
Very Severe
Severe
Severe
Severe
Very Severe
Very Severe
Severe
Very Severe
Severe
Very Severe
Very Severe
Very Severe
Severe
Very Severe
Severe
Severe
Very Severe
Severe
Very Severe
Severe
Severe
Severe
Severe
Very Severe
Very Severe
Very Severe
Severe
Severe
Very Severe
Very Severe
Severe
Very Severe
Very Severe
Severe
Severe
Very Severe
Very Severe
Very Severe
Severe
Very Severe
Very Severe
Severe
Severe
Very Severe

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FM Global Property Loss Prevention Data Sheets

Table 3. Hail Zones for Texas (USA) Counties (Contd)


County
Hood
Hopkins
Houston
Howard
Hudspeth
Hunt
Hutchinson
Irion
Jack
Jackson
Jasper
Jeff Davis
Jefferson
Jim Hogg
Jim Wells
Johnson
Jones
Karnes
Kaufman
Kendall
Kenedy
Kent
Kerr
Kimble
King
Kinney
Kleberg
Knox
La Salle
Lamar
Lamb
Lampasas
Lavaca
Lee
Leon
Liberty
Limestone
Lipscomb
Live Oak
Llano
Loving
Lubbock
Lynn
Madison
Marion
Martin
Mason
Matagorda
Maverick
McCulloch
McLennan
McMullen
Medina
Menard
Midland

State
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX

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Hail Zone
Very Severe
Very Severe
Severe
Very Severe
Severe
Very Severe
Very Severe
Severe
Very Severe
Severe
Severe
Severe
Severe
Severe
Severe
Very Severe
Very Severe
Severe
Very Severe
Severe
Severe
Very Severe
Severe
Severe
Very Severe
Severe
Severe
Very Severe
Severe
Very Severe
Very Severe
Severe
Severe
Severe
Severe
Severe
Severe
Very Severe
Severe
Severe
Severe
Very Severe
Very Severe
Severe
Very Severe
Very Severe
Severe
Severe
Severe
Severe
Severe
Severe
Severe
Severe
Severe

Hail Damage

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Page 13

Table 3. Hail Zones for Texas (USA) Counties (Contd)


County
Milam
Mills
County
Mitchell
Montague
Montgomery
Moore
Morris
Motley
Nacogdoches
Navarro
Newton
Nolan
Nueces
Ochiltree
Oldham
Orange
Palo Pinto
Panola
Parker
Parmer
Pecos
Polk
Potter
Presidio
Rains
Randall
Reagan
Real
Red River
Reeves
Refugio
Roberts
Robertson
Rockwall
Runnels
Rusk
Sabine
San Augustine
San Jacinto
San Patricio
San Saba
Schleicher
Scurry
Shackelford
Shelby
Sherman
Smith
Somervell
Starr
Stephens
Sterling
Stonewall

State
TX
TX
State
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX

2014 Factory Mutual Insurance Company. All rights reserved.

Hail Zone
Severe
Severe
Hail Zone
Very Severe
Very Severe
Severe
Very Severe
Very Severe
Very Severe
Severe
Severe
Severe
Very Severe
Severe
Very Severe
Very Severe
Severe
Very Severe
Severe
Very Severe
Very Severe
Severe
Severe
Very Severe
Severe
Very Severe
Very Severe
Severe
Severe
Very Severe
Severe
Severe
Very Severe
Severe
Very Severe
Severe
Severe
Severe
Severe
Severe
Severe
Severe
Severe
Very Severe
Very Severe
Severe
Very Severe
Very Severe
Very Severe
Severe
Very Severe
Severe
Very Severe

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Table 3. Hail Zones for Texas (USA) Counties (Contd)


Sutton
Swisher
Tarrant
Taylor
Terrell
Terry
County
Throckmorton
Titus
Tom Green
Travis
Trinity
Tyler
Upshur
Upton
Uvalde
Val Verde
Van Zandt
Victoria
Walker
Waller
Ward
Washington
Webb
Wharton
Wheeler
Wichita
Wilbarger
Willacy
Williamson
Wilson
Winkler
Wise
Wood
Yoakum
Young
Zapata
Zavala

TX
TX
TX
TX
TX
TX
State
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX

2014 Factory Mutual Insurance Company. All rights reserved.

Severe
Very Severe
Very Severe
Very Severe
Severe
Very Severe
Hail Zone
Very Severe
Very Severe
Severe
Severe
Severe
Severe
Very Severe
Severe
Severe
Severe
Very Severe
Severe
Severe
Severe
Severe
Severe
Severe
Severe
Very Severe
Very Severe
Very Severe
Severe
Severe
Severe
Severe
Very Severe
Very Severe
Very Severe
Very Severe
Severe
Severe

FM Global Property Loss Prevention Data Sheets

Hail Damage
Page 15

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2009 Factory Mutual Insurance Company. All rights reserved

Fig. 8. Hailstorm hazard map for the United States.

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FM Global Property Loss Prevention Data Sheets

Hail Damage

2009 Factory Mutual Insurance Company. All rights reserved

Fig. 9. Texas counties in very severe hail area with US inset