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When the next storm hits, will your roof survive it?

ASTM E1592 wind resistance ribbon badge UL 2218 Class 4 hail impact rating seal ASTM E108 fire-tested badge with flame icon

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Storm Risk Calculator

What's your storm exposure?

Storm risk varies dramatically by region. Select where you live to see what your roof has to defend against — using actual event counts from the NOAA Storm Prediction Center and National Hurricane Center.

Wind Risk
HIGH
Hail Risk
HIGH

Data: NOAA Storm Prediction Center, National Hurricane Center, and NCEI Storm Events Database (2024 reports). State-level figures shown for the highest-impact state in each region.

The good news: A USMRC Roofing System is rated to defend against both. Get your free assessment.
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Real Storm. Real Results.

When a Hurricane Hit Hard. This USMRC Roof Didn’t Budge.

★★★★★
This storm here went 135 to 160 mph down here and this roof withstood everything. I wanted durability, but it also looks good!
— Daniel Charpentier, Verified USMRC Homeowner
⚠ Survived A Direct Hurricane-Force Wind Event
The Two Storm Threats

Two storms. One roof that defeats both.

Wind and hail destroy more residential roofs than any other cause — combined, they account for the vast majority of insurance claims. Most roofing materials handle one threat acceptably. USMRC Roofing System is independently certified to defeat both at the industry’s highest thresholds.

Wind

CAT-5 Wind Defense

Asphalt shingles fail at 90–130 mph as wind catches the exposed shingle edge and peels it back. Our Stone Coated Roofing System eliminates that failure point entirely — every panel uses hidden fasteners and a patented interlocking edge that physically locks each panel to its neighbors, leaving nothing for the wind to grab.

The result: a roof independently tested and certified to withstand sustained winds above 140 mph — the threshold of a Category 4 hurricane — without panel loss, uplift, or fastener failure.

Wind Rating
140+ MPH · ASTM E1592
Hail

Class 4 Hail Impact

A single severe hailstorm can total an asphalt roof in 20 minutes. Granules get knocked off, the shingle mat fractures, and the underlayment is exposed — leading to leaks, mold, and a full replacement claim within months.

Our USMRC Roofing System carries the highest impact rating available — Class 4 / UL 2218 — meaning it withstands repeated impact from 2-inch hailstones without functional damage. The stone-coated steel surface absorbs the strike, and the foam-insulated core protects what’s underneath your home.

Impact Rating
Class 4 · UL 2218
The Insurance Hook

Your Class 4 roof pays you back every year.

Most major homeowners insurance carriers offer significant annual discounts on premiums for homes with Class 4 impact-rated roofs. Some offer credits up to 35%. A premium asphalt roof? It doesn’t qualify.

Over the life of a USMRC roof, the insurance savings alone often exceed $10,000 — quietly recouping a meaningful portion of your replacement cost while your roof does the actual work of protecting your home.

Talk to your insurance agent about Class 4 / UL 2218 discount eligibility — and we’ll provide all the documentation your carrier needs.

Avg. Annual Insurance Savings
20%
on annual homeowners insurance premiums
  • Qualifies for Class 4 / UL 2218 discount
  • Documentation provided by USMRC
  • Discount typically applies for life of roof
  • Compounding savings year over year

Discount eligibility, amount, and availability vary by carrier, state, and individual policy. Check with your provider.

A Tale Of Two Roofs

What 30 years of storms actually look like.

A real-world projection of what happens to a standard asphalt roof vs. a USMRC roof in a typical storm-prone region.

Asphalt Roof

Cumulative storm impact
Year 1
Looks great
Brand new, no issues
Year 5
First wind-lift event
2–3 shingles lost · $800 repair · possible claim
Year 9
Hailstorm damage
Granule loss · $1,500–3,000 repair
Year 14
First full replacement
$12,000+ out of pocket · 5-day disruption
Year 19
Insurance premium hike
Repeat claims = elevated rates · +$300/yr
Year 26
Second full replacement
$14,000+ out of pocket · cycle repeats

USMRC Roofing System

Same storms. Different outcome.
Year 1
Looks great. Insurance discount active.
Class 4 documentation filed
Year 5
Survived multiple wind events
No repairs needed · no claims filed
Year 9
Hailstorm: no damage
Class 4 impact rating did the work
Year 14
No replacement needed
Still under lifetime warranty
Year 19
Insurance discount continues
~$4,000 in cumulative savings
Year 26
Still going strong
Color, integrity, and warranty intact

The next storm doesn't ask if you’re ready.

Schedule a free in-home consultation. We'll inspect your existing roof, assess your storm risk, and give you a guaranteed price for a USMRC Roofing System replacement — good for 30 days.