Golf ball-sized hail detected near McKinney, TX on July 6, 2026
Hail was detected at a radar-indicated point within the McKinney 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 landed approximately 16 miles northeast of downtown McKinney, with one hail report logged in Collin County that day. At 2.25 inches, this size routinely causes functional damage to standard architectural asphalt shingles — bruising, granule loss, and cracked tabs are common outcomes, not just cosmetic marks. Roofs older than 10–15 years are especially vulnerable because aged shingles have less elasticity to absorb impact. Collin County's largest recorded event reached 2.5 inches on September 21, 2025, which exceeds this event's magnitude and represents the county benchmark for severe functional loss.
On a $350,000 home with a 2% wind/hail deductible, the out-of-pocket threshold is $7,000. Typical repair cost for a 2,000 sqft roof runs $6,040, with a range of $4,942 to $7,138. Get a professional inspection before making any insurance decisions.
At these numbers, you're better off repairing out of pocket — the typical repair cost falls below your deductible. Filing a claim likely isn't worth it unless a full inspection reveals significantly more damage.
This storm may have damaged your roof — get a free McKinney inspection
McKinney repair cost reference
Historical context
This event ranks 16th out of 221 recorded hail events of 1 inch or greater in the McKinney area over the past decade, placing it in the upper tier by magnitude. The largest event on record reached 4.5 inches on March 24, 2019. July is historically quiet — zero events of this size have been recorded in this month over the past 10 years, making this a notably out-of-season occurrence.
Storm system
The July 6 activity was not isolated — the same system produced hail across multiple Texas and Arkansas counties, including 1.75-inch hail in Denton County and 1.25-inch reports in both Smith County, TX and Sebastian County, AR. This was a regional event, not a localized anomaly.
Contractor guidance
Local contractor data shows current backlogs running 4 to 8 weeks, so scheduling sooner reduces wait time. The city intake assessment rates storm chaser risk as moderate following major regional events in this area — verify any contractor who approaches you unsolicited. Texas does not require a state-level roofing license, so the burden falls on homeowners to confirm local business licensing, liability insurance, and workers' compensation coverage before signing anything. Also confirm the contractor is registered with the Texas Secretary of State if operating as an LLC or corporation.
Permits & building code
At 2.25 inches, repair is plausible on newer roofs, but replacement becomes likely on aged or previously compromised shingles — a professional assessment will determine which applies. In McKinney, the contractor pulls the permit, inspections are required, and permit costs typically run $150 to $350. Class 4 impact-resistant shingles qualify for a 10–20% discount with most Texas insurers.
- 1Photograph your roof, gutters, downspouts, and any exterior surfaces from ground level before any repairs are made.
- 2Get a repair estimate from a licensed contractor before contacting your insurer — at these numbers, out-of-pocket repair is likely cheaper than filing a claim.
- 3Vet any contractor before signing: confirm local business license, liability insurance, workers' comp, and state registration.
- 4Be aware that Texas law prohibits contractors from waiving or absorbing your deductible — any offer to do so is illegal under Texas Insurance Code § 707.002 and puts both parties at legal risk.
- 5Keep all receipts, inspection reports, photographs, and contractor correspondence in one file in case you need documentation later.
This storm may have damaged your roof — get a free McKinney inspection
This event was detected via NOAA NEXRAD radar (SWDI) and is radar-confirmed, with a full NWS write-up still pending.