As Calgary continues to experience more frequent and severe weather events, hail is becoming an increasingly important consideration for homeowners.

The City of Calgary reported that hailstorms caused approximately $3.3 billion in damage to private residential properties in Calgary between 2020 and 2025 alone. 

Read the City’s Understanding hail risk and home resilience in Calgary briefing.

While location is one factor, a home's resilience often comes down to the materials and features that help protect it from severe weather. As trusted advisors, REALTORS^® can help buyers understand the materials and features that may help a home stand up against severe weather conditions. 

Understanding hail risk

Calgary sits within one of Canada's most hail-prone regions, with the highest risk typically occurring between June and September. The amount of damage a property experiences can vary depending on factors such as:

• the storm's path and intensity 
• roofing and siding materials 
• window construction 
• surrounding trees and landscape 
• the age and condition of exterior finishes 

Helping clients understand these factors can lead to more informed purchasing decisions and fewer unexpected costs after possession. 

Looking beyond curb appeal

When comparing homes, buyers often focus on layout, finishes and location. Encouraging them to also consider a home's durability can provide a new perspective based on the property's long-term value.

Features that may improve a home's resilience include:

• impact-resistant roofing materials 
• durable siding 
• protective window features 
• well-maintained exterior finishes 

These features may help reduce repair costs, extend the life of building materials and better protect a home's value over time. 

Insurance is part of the conversation

Insurance coverage is also evolving as weather-related claims increase. According to The City of Calgary, home insurance premiums and deductibles have continued to rise, and some insurers have reduced or limited hail coverage in certain areas. 

While REALTORS^® should avoid providing insurance advice, encouraging buyers to speak with their insurer before purchasing can help them better understand:

• what hail damage is covered 
• whether roof replacement is based on replacement cost or depreciation 
• coverage limits and deductibles 
• whether temporary living expenses are included if the home becomes uninhabitable 
• whether discounts are available for impact-resistant building materials 

Having these conversations early can help clients avoid surprises after they move in. 

Helping clients prepare for homeownership

Buying a home in Calgary means understanding the realities of living in a city where hail is a recurring risk. By encouraging buyers to consider roofing, siding, windows, gutters and insurance coverage alongside price and aesthetics, REALTORS^® can help their clients to make more informed decisions and better prepare for the long-term costs of homeownership. 

For additional information and homeowner resources, visit The City of Calgary's Hail and High Winds webpage.