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The Emergency Planner

What should we plan before a hailstorm?

By the team behind The Emergency Planner, designed in Austin, Texas. Updated October 2026.

Hail comes fast and usually passes fast. The plan is where you stand and where the car sits.

The National Weather Service calls a thunderstorm severe when it can produce hail an inch or larger, or wind gusts over 58 mph. A warning means it is happening or about to, so move to shelter right away.

At home

  • Get inside a sturdy building and stay away from windows and skylights.
  • Bring pets in, and move to an interior room if you can.
  • Know where the car goes when a storm is coming. A garage or covered spot is best.

On the road

  • Pull off the road, but do not stop under an overpass.
  • Stay in the vehicle until the hail stops, away from the windows.
  • Avoid culverts and low areas, which can flood fast.

Insurance

  • Many home and auto policies have a separate wind and hail deductible. Ask your agent what yours is.
  • Photograph damage before you clean up or repair, then call your insurer.

Free pages to print

Preview of Hail guide

Hail guide

A short guide to protecting people, pets and cars from hail.

Sources: National Weather Service, Severe Thunderstorms; North Dakota Department of Emergency Services. Checked October 2026. Confirm policy details with your insurer.

General information for families, not legal, medical or financial advice. In an emergency, follow local officials and call 911.

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