Skip to content
HailIndex
Guides
Moderate risk hail risk

Hail damage costs in Moore, OK

Typical roof repair (2,000 sqft) $4,512$6,517

Cleveland County·Oklahoma City·129 NOAA events (10 yr)·Last hail: Jan 8, 2026·Updated Apr 2026

Moore, Oklahoma, in Cleveland County, faces moderate hail risk from spring thunderstorms that regularly produce damaging hail. Homeowners in this community of 62,793 typically spend $4,662 to $6,734 to repair hail damage on a 2,000-square-foot roof, depending on the extent of damage and roofing material. Understanding local hail patterns and insurance coverage is essential for protecting your property.

Moore sits in the heart of Tornado Alley, where the dryline, jet stream, and Gulf moisture converge to produce intense supercell thunderstorms capable of large hail. The peak hail season runs from April through June, with May historically producing the most damaging large-hail events in the region. Spring storms in Cleveland County can produce hail sizes well above one inch, which can cause functional damage to standard architectural asphalt shingles that dominate Moore's housing stock.

Hail risk score
40/100
Moderate risk
NOAA storm history
events (10 yr)129
≥1.5" significant50
peak year (41)2023
Loading map…

Repair cost estimate

asphalt shingles

Hail roof repairs in Moore typically cost between $4,662 and $6,734 for a 2,000-square-foot home, with labor rates below the national average. Moore's housing stock is predominantly standard architectural asphalt shingles, which sustain functional damage from hail 1 inch or larger. The moderate contractor market in Cleveland County means post-storm capacity fills quickly, often creating 2- to 4-week backlogs after regional hail events.

BLS Oklahoma City · labor 0.791 · PPI Apr 2026
Home sizeLowTypicalHigh
1,500 sqft
$3,384$4,136$4,888
2,000 sqft
$4,512$5,515$6,517
2,500 sqft
$5,640$6,893$8,147
Cost calculator

Roof square footage

Roof material

Roof pitch

Typical estimate — 2,000 sqft, Standard asphalt, Moderate (4–7:12)

$5,515
Range: $4,512$6,517

Based on Moore BLS labor index 0.791 and BLS PPI material index (Apr 2026). Reference range only — not a contractor quote.

Free inspection estimate

Hail hit Moore? Get a free damage assessment

Type of damage

How urgent?

What moves the repair cost in Moore

Labor Rates in Moore and Cleveland County
Roofing labor in the Oklahoma City metropolitan area runs below the national average, which moderates the total cost of hail repairs. However, post-storm demand in Moore typically creates a 2- to 4-week contractor backlog, and out-of-area contractors may charge premium rates to fill the gap. Scheduling repairs during off-peak months (August through February) may offer better labor availability and pricing.
Architectural Asphalt Shingle Durability and Hail Exposure
Moore's dominant roofing material—architectural asphalt shingles—is standard across the residential market but offers limited hail resistance compared to Class 4 impact-resistant shingles. Standard shingles typically fail functionally at 1-inch hail and larger. Class 4 shingles are not required by Moore's building code but qualify for insurance premium discounts of 10 to 20 percent, which may offset upgrade costs over time.
Repair Extent and Material Costs
Hail repair costs depend on the number of damaged shingles, flashing replacements, and gutter or soffit damage. Material costs for asphalt shingles and metal flashing are moderate but fluctuate based on regional supply and national commodity markets. Obtain written estimates from at least two contractors to compare material specifications and labor scope.
Permit Requirements and Inspection
Moore requires inspection for all roof repairs but does not mandate permits for minor patch work below certain damage thresholds. When permits apply, costs range from $150 to $350, and the contractor typically handles the permit application. Verify permit requirements with your chosen contractor before work begins, as triggering a permit may extend the repair timeline by one to two weeks.
Storm Chaser Risk and Contractor Selection
Moore experiences moderate storm chaser activity following major regional hail events. Storm chasers often offer aggressive pricing and financing but may lack local licensing, insurance verification, or accountability. Always request proof of Oklahoma contractor registration, a physical local address, and references from Moore-area customers completed at least six months prior.
Secondary Damage to Gutters, Vents, and AC Units
Hail damage frequently extends beyond the roof to aluminum gutters, vinyl soffit, exhaust vents, and air conditioning compressor covers. Repairs to these components add $500 to $2,000 to the total estimate. Document all secondary damage with photographs and include it in your insurance claim, as some policies cover these items under the same deductible.
Roof Age and Repair Viability
Roofs older than 20 years may not qualify for repair under insurance policies; carriers often recommend or require full replacement instead. If your roof is near or past this threshold, confirm coverage terms with your insurer before obtaining repair estimates. Repair costs approaching 30 percent of replacement cost often signal that replacement is the better long-term investment.

Replacement cost estimate

full tear-off
BLS Oklahoma City · labor 0.791 · PPI Apr 2026
Home sizeLowTypicalHigh
1,500 sqft
$5,640$6,893$8,147
2,000 sqft
$7,520$9,191$10,862
2,500 sqft
$9,400$11,489$13,578

Insurance claim guide

Moore homeowners filing hail damage claims typically face deductibles based on their home's insured value. With Moore's median home value at $189,300, a standard 2% deductible means $3,786 out-of-pocket before insurance coverage begins. Oklahoma's percentage-based deductible structure ranges from 1% to 10% of insured value, making deductible amounts vary significantly based on individual property values.

Moore's moderate contractor density creates 2–4 week backlogs after major hail events. The city experiences moderate storm chaser activity following regional hail storms, requiring homeowner vigilance. Oklahoma House Bill 1940 (effective November 1, 2022) prohibits roofing contractors from advertising or promising to pay insurance deductibles when paid by insurance proceeds.

Full 10-step claim guide for Moore

Hail storm history — Cleveland County

NOAA NCEI
166 events · 2016–2026
≥2.0″ severe
≥1.5″ significant
≥1.0″ marginal
50 events≥1.5"·largest: 3"
Jan 8, 20260.75"penny
Oct 24, 20250.75"penny
Oct 24, 20251"quarter
Aug 11, 20251"quarter
Jun 18, 20250.75"penny
Jun 5, 20251"quarter
Jun 3, 20251.75"golf ball
Jun 3, 20251"quarter
Jun 3, 20251.25"half dollar
Jun 3, 20251"quarter
View full 10-year record for Cleveland CountySource: NOAA NCEI · ~75-day lag

Frequently asked questions

How much does hail damage repair typically cost in Moore?
For a standard 2,000-square-foot roof covered in architectural asphalt shingles, repair costs in Moore range from $4,662 at the lower end to $6,734 for more extensive damage. The typical cost is around $5,698. Actual costs depend on the severity of hail damage, the extent of replacement needed, and labor availability in Cleveland County.
What is a wind and hail deductible, and how much will I pay out of pocket?
A wind and hail deductible is the amount you pay before your homeowners insurance covers hail damage. In Oklahoma, deductibles are usually a percentage of your home's insured value—commonly 1% to 2% in Moore. If your home is insured for $189,300 at a 2% deductible, you would pay $3,786 out of pocket before insurance covers the remaining repair costs.
What roofing material is most common in Moore, and how vulnerable is it?
Most homes in Moore use standard architectural asphalt shingles, which are cost-effective but vulnerable to hail damage from large stones. While Class 4 impact-resistant shingles are not required by local building code, they qualify for insurance discounts of 10–20% and provide better protection against hail. Upgrading to Class 4 shingles may reduce your long-term insurance costs.
When is hail season in Moore, and what should I expect?
Hail season in Moore peaks from April through June, with May producing the most damaging events. The region's location in Tornado Alley makes it prone to severe spring thunderstorms capable of producing large hail. Homeowners should expect post-storm contractor backlogs of 2–4 weeks, and it is important to obtain multiple repair quotes to avoid overpaying.
Do I need a permit to repair hail damage on my roof in Moore?
Yes, roof repair inspections are required in Moore. If your repair qualifies as a material alteration, a permit is necessary. Permit costs typically range from $150 to $350, and your contractor will usually handle the permit application. Always confirm permitting requirements with your specific contractor and verify that they carry the appropriate licenses and insurance.
Are Class 4 impact-resistant shingles required in Moore?
Class 4 shingles are not required by Moore's building code but qualify for insurance premium discounts of 10 to 20 percent. If your roof is damaged, upgrading to Class 4 shingles during repair may reduce your future insurance costs and improve hail resistance, though it will increase the current repair estimate.
When should I consider roof replacement instead of repair?
Repair is typically appropriate for damage affecting less than 30 percent of the roof area. If your roof is older than 20 years, repair may not be covered and replacement may be required. If repair costs approach or exceed $6,000, or if your roof is over 18 years old, request a replacement estimate as well to compare long-term costs and coverage.
Wind/hail deductible notice

Oklahoma wind and hail deductibles are typically structured as a percentage of your home's insured value, most commonly ranging from 1% to 10%. In Moore, where the median home value is approximately $189,300, a typical 2% wind/hail deductible translates to an out-of-pocket cost of $3,786 before insurance coverage applies to hail damage repairs.

Full 10-step claim guide for Moore
Free inspection estimate

Ready to get an accurate quote for Moore?

Type of damage

How urgent?