Chattanooga, TN · Storm history
Hail Reports in Chattanooga, Tennessee — Last 90 Days
NOAA Storm Prediction Center logged 1 hail report within 25 miles of Chattanooga across 1 storm day, most recently on September 21, 2026. Source: SPC Local Storm Reports (preliminary, may be revised).
Data as of October 24, 2026 (last successful NOAA check). The newest report in the feed is from Oct 23, 2026. The 90-day log is SPC preliminary data. The county history (2017 to June 2026) is the NOAA Storm Events archive, 2014–June 2026; it has no storms after it ends.
- 1.00 inlargest hail near the city, last 90 days (quarter size)
- 12days with hail 1 in or larger in the county, 2014–June 2026
- 92days with 58+ mph thunderstorm wind, 2014–June 2026
- #142 of 209among the cities we cover, by hail days of 1 in or more
Has hail hit my Chattanooga roof since it was installed?
County-level hail reports for Chattanooga from the NOAA archive this page uses; a county report is not proof of damage at your Chattanooga address.
When does hail hit Chattanooga?
NOAA NCEI Storm Events, county level, 2014–June 2026
If insurance covers it, what do I pay in Chattanooga?
Only if the claim is approved. The ACV math is a straight-line example over a 25-year life; insurers writing Chattanooga policies use their own schedules, so check your policy.
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Hail near Chattanooga in the last 90 days
- 1.00 inLargest hail in 90 days (quarter size)
- 1Hail day near Chattanooga
- 1SPC report
- September 21, 2026Most recent event
Around Chattanooga, the NOAA Storm Prediction Center logged 1 hail report within 25 miles between September 21 and September 21, 2026, spread over 1 storm day. That day brought stones of 1″ or more, and 0 of the 1 Chattanooga reports with coordinates fell within 10 miles of the city center. In a typical year Chattanooga sees about 4 hail-producing storms.
Chattanooga's storm-climate context
Chattanooga is sheltered by Lookout Mountain and the Cumberland Plateau to the west, which somewhat limits hail exposure compared to open-terrain Tennessee cities. However, the Tennessee River valley channels violent straight-line windstorms called derechos, and the city has recorded EF1 and EF2 tornado touchdowns in Hamilton County. Spring ice storms frequently damage gutters and cause ice dam issues on low-slope roofs.
Chattanooga's historic Craftsman bungalows in neighborhoods like Highland Park require specialty contractors skilled in steep-slope and shake-style roofing systems. Tennessee requires a contractor license for roofing jobs of $25,000 or more, and Hamilton County is one of nine counties that also require a home improvement license from $3,000, so homeowners should check the license first, then local business history and insurance coverage.
How close the hail came
Of the 1 Chattanooga reports, the closest landed 12.2 miles from the city center on September 21, 2026 (1.00″ at 3 E Cole City). The worst Chattanooga day was September 21, 2026: 1 report, largest 1.00″. Near Chattanooga, 1 of 1 hail day reached 1″ or larger.
| Distance from city center | Reports | Largest |
|---|---|---|
| Within 5 miles | 0 | — |
| Within 10 miles | 0 | — |
| Within 25 miles | 1 | 1.00″ |
Distances are straight-line from the city center to each SPC report point; reports without coordinates are left out of the table.
Hail events near Chattanooga by date
September 21, 2026 1 report, hail up to 1.00″ (quarter size)
| Time (UTC) | Hail size | Location | Distance from Chattanooga |
|---|---|---|---|
| 2040 | 1.00″ | 3 E Cole City, Dade County | 12.2 mi |
The Chattanooga tables above list preliminary Local Storm Reports from the NOAA Storm Prediction Center. Sizes are reported hailstone diameters; times are UTC. Reports can be added or corrected for about a day after each event. A quiet log does not mean no hail: small or unreported events happen. The closest report in this window landed 12.2 miles from Chattanooga's center.
View the 1 Chattanooga-area report on a map
On the Chattanooga map, circle positions are the NOAA SPC report coordinates; tap a circle for the date and hail size.
Hail size: < 1″ 1–1.75″ ≥ 2″ not recorded
How severe was it? The NWS yardstick, applied to Chattanooga's reports
The National Weather Service calls hail severe at 1″ (quarter size) and significant at 2″ (hen-egg size). Scoring Chattanooga's 1 area report (filed in Dade County) against that scale: 1 of the Chattanooga reports met the severe 1″+ criterion — the size at which asphalt shingles start taking granule loss and bruising that shows up as leaks a season later. At these sizes, damage on a Chattanooga roof is rarely visible from the ground, and homeowners policies typically cover it when it is documented promptly.
Hail history in Chattanooga: the long picture
County-level NOAA records for the county behind Chattanooga, 2014–June 2026. Each figure shows its source. Storms after the archive ends are not in these numbers. Ranks count from 1, the highest.
Chattanooga against the 209 cities we cover
- #142of 209Days with hail 1 in or larger in Chattanooga: middle
- #152of 209Days with hail 1.75 in or larger (golf ball) in Chattanooga: middle
- #20of 209Days with 58+ mph thunderstorm wind in Chattanooga: top quarter
- #177of 209Tornadoes in Chattanooga: bottom quarter
- #99of 209Reported storm property damage in Chattanooga: middle
- #81of 209Share of homes built before 1980 in Chattanooga: middle
Hail events by year
| 2017 | 3 |
|---|---|
| 2018 | 0 |
| 2019 | 0 |
| 2020 | 0 |
| 2021 | 0 |
| 2022 | 1 |
| 2023 | 3 |
| 2024 | 1 |
| 2025 | 11 |
Years with no record show as 0. In its busiest full year (2025) Chattanooga's county logged 11 events; the whole span, 2017 to 2025, holds 19.
Source: NOAA Storm Events Database, county level, 2017–2025Hail history at a glance
- 19Hail events in the county, since 2017 (NOAA)
- 1.75 inLargest hailstone on record
- May 12, 2025Last recorded event in the archive
NOAA's archive for the county behind Chattanooga lists 19 hail events since 2017, about 2 a year in Chattanooga's county. Its most severe stone measured 1.75″. Set against that baseline, the 1 hail day near Chattanooga in the 90-day window above runs above the long-term average rate. Check your own Chattanooga address on the hail risk lookup.
Chattanooga's county logged fewer hail events than the Tennessee median (30 per county since 2017), below the state's typical pace.
Three ways a storm reaches a roof
Hail
Chattanooga's county days with at least one report at that size. Largest stone: 1.75 in.
Source: NOAA Storm Events Database, 2014–June 2026Thunderstorm wind
92 Chattanooga's county days with 58+ mph
58 mph is the NWS severe threshold. Strongest gust on record in Chattanooga's county: 90 mph on Jun 7, 2025.
Source: NOAA Storm Events Database, 2014–June 2026Tornadoes
2 in Chattanooga's county
Strongest tornado in Chattanooga's county: EF3 on the Enhanced Fujita scale.
Source: NOAA Storm Events Database, 2014–June 2026Costliest storm day
Jun 22, 2026
6 reports that day (6 wind); reported property damage $2,600,000; county FIPS 47065, 2014–June 2026.
Source: NOAA Storm Events, 2014–June 2026Peak storm month
June
In Chattanooga's county, 50 of 175 hail, wind and tornado reports (29%) fell in June.
Source: NOAA Storm Events, 2014–June 2026Older homes
56.2% of Chattanooga homes built before 1980
About 49,000 of Chattanooga's 87,138 housing units (share times units, rounded). Median year built: 1975. Housing units, not roofs: many Chattanooga homes have been re-roofed since.
Source: Census ACS (Chattanooga city), 2019–2023Year-by-year table with the largest stone
| Year | Recorded hail events | Largest stone |
|---|---|---|
| 2025 busiest | 11 | 1.25″ |
| 2024 | 1 | 1.00″ |
| 2023 largest stone | 3 | 1.75″ |
| 2022 | 1 | 1.00″ |
| 2017 | 3 | 1.75″ |
NOAA Storm Events archive, Chattanooga's county. Years missing from the table have no record in the archive. * 2026 covers only January to June: NOAA's file ends there, so it is not counted as the worst year or in the yearly average.
In the archive for Chattanooga's county, 2025 was the busiest hail year (11 recorded events); the largest stone on record, 1.75″, fell in 2023. A Chattanooga roof older than 2023 with no documented inspection has probably taken at least one unexamined hit.
In a market with repeat hail, impact-resistant Class 4 shingles often pay for themselves through insurer premium discounts — worth discussing with a Chattanooga roofer if a recent event tips you into a replacement.
Hamilton County fact sheet for Chattanooga homeowners
Housing age, federal disaster declarations and your state's claim deadlines in one place. All three come from public records, county level.
How old are the roofs? Homes in Hamilton County by decade built
| pre-1940 | 8.6% |
|---|---|
| 1940s | 4.8% |
| 1950s | 10.4% |
| 1960s | 11.1% |
| 1970s | 15.0% |
| 1980s | 11.4% |
| 1990s | 12.0% |
| 2000s | 13.4% |
| 2010s | 12.0% |
| 2020+ | 1.4% |
165,605 homes, median built in 1980. 49.9% date from before 1980 and 13.3% from 2010 on; 64.3% are owner-occupied. The most common decade is the 1970s.
Source: U.S. Census Bureau, American Community Survey · data as of ACS 5-yearWhat to do if your roof was in the hail path
- Stay off the roof and read the yard instead. Hail came as near as 12.2 miles to Chattanooga (3 E Cole City, September 21, 2026) in the last 90 days. Granule piles under a Chattanooga downspout and dents on gutters, vents and screens are the signs to look for.
- Photograph and date everything before repairs. For Chattanooga the worst day is September 21, 2026 with 1 report and a top stone of 1.00 in. Dated photos, a coin beside a hailstone and this NOAA log tie your loss to one storm day.
- Get a free inspection instead of guessing. The single hail day near Chattanooga reached 1 inch or more. On a Chattanooga roof, bruised shingles and lost granules do not show from the ground; a roofer's written scope settles whether a claim exists.
- File by your policy's deadline; know the insurer's. 34 days ago: that is how long since the newest hail day near Chattanooga. Your window to report a Chattanooga loss sits in the policy; the insurer's answer clocks are state law, linked below.
- Bring the written scope to the adjuster. A Chattanooga estimate stays honest when the adjuster receives your contractor's written scope. Step-by-step: the roof insurance claim guide.
Insurer clocks for Chattanooga homeowners: rule text, quotes and links on the Tennessee claim-deadlines page (checked 2026-10-09). Not legal advice.
Verified roofing contractors in Chattanooga
Contractors PickARoofer has already verified in Chattanooga. A badge on a Chattanooga contractor means we confirmed an active license or registration in a public registry. Ask any Chattanooga roofer for a current certificate of insurance before signing.
Chattanooga Roofing Contractors
VerifiedE&M Rooftop Solutions
VerifiedTri State Roofing Contractors
VerifiedWinters Roofing, Inc.
VerifiedHail in Chattanooga — questions homeowners ask
When did hail last hit Chattanooga, TN?
The most recent NOAA hail report within 25 miles of Chattanooga is from September 21, 2026, with hail up to 1.00″.
How large was the hail near Chattanooga?
The largest hailstone reported near Chattanooga in the last 90 days measured 1.00″ — about quarter size. Chattanooga had 1 hail day of 1″ or more, the size where asphalt shingles start to bruise; the biggest came on September 21, 2026.
Does homeowners insurance cover hail damage in Chattanooga?
The latest hail day near Chattanooga was September 21, 2026, 34 days ago, a date a claim can point to. Standard homeowners policies generally cover sudden storm damage and not gradual wear. For a Chattanooga claim, document the damage before repairs, keep this NOAA log as proof of the September 21, 2026 event date, and read your own policy for its filing deadline: the policy sets that window, not a universal rule.
How often does hail hit the Chattanooga area?
In Chattanooga's county, NOAA's archive since 2017 shows 19 recorded hail events. Chattanooga averages about 2 a year, and its biggest stone on record measured 1.75″.
How close did hail get to Chattanooga in the last 90 days?
The closest SPC hail report was 12.2 miles from the Chattanooga city center on September 21, 2026, 1.00 in. at 3 E Cole City.
How long does an insurer in Tennessee have to respond to a hail claim?
Tennessee sets the insurer's clocks by rule: it must acknowledge a claim within 30 calendar days and tell the homeowner whether it is accepted or denied within 60 calendar days. For Chattanooga homeowners, the deadlines to report and to sue come from the policy and state law. Not legal advice; rule text and links are on the claim-deadlines page, checked 2026-10-09.
Check your own ZIP in Chattanooga
The county figures above average over everything inside the county line. For a score tied to your Chattanooga address, run your ZIP through the hail risk lookup — Chattanooga ZIP codes include 37402, 37403, 37404, 37405, 37421.
Chattanooga neighborhoods — hail exposure varies by area
Hail paths track with storm cell movement, not city limits. If you're in Highland Park, North Shore, Hixson, East Brainerd, Fort Wood or Lookout Valley, check your specific street against the report locations above — distance from Chattanooga's center is listed for each report.
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More resources
- Roofing contractors in Chattanooga
- Storm damage repair in Chattanooga
- Roof repair in Chattanooga
- Roof inspection in Chattanooga
- Insurance claim guide
- Roof replacement costs in Chattanooga
- Emergency roof repair
- All recent hail reports
- Hail risk lookup
Sources: NOAA Storm Prediction Center Local Storm Reports (last 90 days, preliminary) and the NOAA NCEI Storm Events Database (county of the city, 2014–June 2026); U.S. Census Bureau American Community Survey 5-year estimates (housing). The Storm Events archive used here ends in 2025, so storms between that date and the start of the 90-day log are not shown. How we collect data. Are you a roofer in Chattanooga? See how requests reach contractors.
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How to cite this page
Free to quote with credit, under CC BY 4.0, no permission needed. The numbers are NOAA Storm Prediction Center preliminary reports: unverified, and not confirmed damage to any roof. This is not an official NOAA or NWS product.