Reading Hail Damage Score Reports

The Hail Damage Score report measures the probability that a damage-producing hail event has occurred at any given property located within the continental United States and the District of Columbia. For each report, ISO assigns a score ranging from 1 to 10 to represent the probability that a hail damaging event occurred over the course of five different time periods – the current year, 2 years, 3 years, 4 years, and 5 years. A score of 1 represents a 0 – 10% probability of a damaging event while a score of 10 represents 100% probability.

The Hail Damage Score Report provides the following information:

Risk Address

The address used to match against the database.

Return Source

Shows whether the match is on an address level or a ZIP-code level.

Currency Date

Provides the currency date of the data in the file. For example, the currency date of 2014/03/31 indicates that hail events that occurred up to and including March 31st, 2014, are included in the LOCATION files. Hail events that occurred after that date are not included in the LOCATION files. The currency date changes monthly.

Date of Last Major Hail Event

Reflects the date of the last known occurrence of a major damage-producing hail at the property. A dash indicates a lack of known major hail events at the property in the last seven years (six years in 2014). A major hail event is defined as a hail event resulting in a Hail Damage Score of 6 or higher.

Hail Damage Score

A score in the range of 1 to 10 indicating the probability of most significant damage-producing hail at the property in a predetermined time period.

Hail Damage Score

Hail Damage Probability

1

0 - 10%

2

11 - 20%

3

21 - 30%

4

31 - 40%

5

41 - 50%

6

51 -60%

7

61 -70%

8

71 - 80%

9

81 - 90%

10

91 – 100%

 

Number of Major Hail Events

Reflects the number of major damage-producing hail events at the property in a given time period. For example, Number of Major Hail Events – 2 years indicates the number of major damage-producing hail events at the property for the period from January 1 of the prior year to the Currency Date. A major hail event is defined as a hail event resulting in a Hail Damage Score of 6 or higher. 

  • 0 indicates no damage-producing hail events at the property.

  • 1 through 9 indicate the corresponding number of damage producing hail events at the property.  For example, the value 5 indicates five events.

  • 10 indicates ten or more damage-producing hail events at the property.

  • Number of Hail Events – Current Year indicates the number of damage-producing hail events at the property for the period from January 1 of the current year to the Currency Date.

  • Number of Hail Events – 2 Years indicates the number of damage-producing hail events at the property for the period from January 1 of the prior year to the Currency Date.

  • Number of Hail Events – 3 years indicates the number of damage-producing hail events at the property for the period from January 1 of the appropriate past year (e.g. January 1, 2011 for data delivered in 2013) to the Currency Date.

A major hail event is defined as a hail event resulting in a Hail Damage Score of 6 or higher.