Baseball-sized hail detected near Stillwater, OK on August 22, 2026
Hail was detected at a radar-indicated point within the Stillwater monitoring area. Actual impact can vary by neighborhood, so nearby homes should use this as a signal to check roofs, gutters, siding, and vehicles.
Damage assessment
The radar-confirmed strike was located approximately 8 miles north of downtown Stillwater, with one hail report logged across Payne County that day. At 3 inches, hail this size causes functional damage to architectural asphalt shingles — not cosmetic. Granule loss, cracked tabs, and compromised underlayment are expected outcomes, and any roof older than 10 years faces a real risk of full replacement rather than repair. Payne County's largest recorded event reached 3.75 inches on November 20, 2025, so local adjusters have recent precedent for assessing severe hail damage.
On a $230,900 home with a 2% wind-and-hail deductible, you're looking at roughly $4,618 out of pocket before insurance pays anything. Typical repair cost for a 2,000 square foot home runs $6,232, with the range spanning $5,099 to $7,365 — and full replacement sits at $10,386. Get a professional inspection before making any insurance decisions.
At these numbers, the typical repair cost exceeds a standard 2% deductible. Contact your insurer — damage at this level is likely worth filing before you pay out of pocket.
This storm may have damaged your roof — get a free Stillwater inspection
Stillwater repair cost reference
Historical context
This event ranks 4th out of 135 hail events of 1 inch or greater recorded in Payne County over the past 10 years, placing it among the most intense on record. The largest event in that period reached 4.25 inches on May 11, 2017. August is historically below average for hail activity here — the peak month is May, which has produced 73 events over the same period.
Storm system
Same-day reports from Oklahoma City (0.75 inch), Reno County, Kansas (1 inch), and Sedgwick County, Kansas (1 inch) suggest a broader storm system was active across the region, though the Stillwater event was by far the most intense of the group.
Contractor guidance
Local contractor data shows current backlogs running 2 to 4 weeks, which is typical following a significant regional event. The storm chaser risk in Stillwater is rated moderate — out-of-area contractors routinely move in after major hail, and the intake assessment flags this as a known pattern here. Oklahoma's Roofing Contractor Registration Act (SB 2180, 2010) requires all roofing contractors to register with the state before performing any roofing work for a consumer. Before signing anything, verify the contractor's state registration, confirm active general liability and workers' compensation coverage, and ask for references and manufacturer certifications.
Permits & building code
At 3 inches, full replacement is the more likely outcome for standard architectural shingles — repair estimates should be scrutinized carefully to ensure they address functional damage, not just surface-level patching. The contractor pulls the permit in Stillwater; expect permit costs between $150 and $350, and an inspection is required before the job is closed out. Class 4 impact-resistant shingles qualify for a 10–20% discount with most Oklahoma insurers.
- 1Document all visible damage with dated photos and video before any work begins — photograph the roof, gutters, downspouts, and any exterior surfaces.
- 2Schedule a professional roof inspection with a registered Oklahoma roofing contractor to assess functional damage.
- 3Contact your insurance company to report the potential claim and confirm your policy's filing deadline.
- 4Verify any contractor's Oklahoma state registration status, general liability insurance, and workers' comp coverage before signing a contract.
- 5Keep all written estimates, inspection reports, and correspondence in one file — you'll need them if a dispute arises with your insurer.
This storm may have damaged your roof — get a free Stillwater inspection
Hail size and location are based on NOAA NEXRAD radar data (SWDI); a full NWS storm survey write-up is pending.