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Hail · Checked 1 Oct 2026

Hail-resistant roofing in Oklahoma: why Class 4 isn’t enough for the grant

Hail-resistant roofing in Oklahoma usually means Class 4 shingles, but the state’s FORTIFIED™ roof grant asks for something stricter. Shingles must score Good or Excellent in IBHS’s own hail tests, and in IBHS’s 2025 ratings no shingle scored Excellent.

49.7%Roofs hit by severe hail in 4 years, highest in US (Verisk, 2025)
0Shingles rated Excellent by IBHS, Nov 2025
The grant’s roof rule

FORTIFIED High Wind + Hail Supplement

Good or Excellent: Asphalt shingles, IBHS Hail Impact-Resistant Shingle Ratings
UL 2218 Class 4: Metal and low-slope roofs
FM 4473 Class 4: Tile roofs

Source: IBHS FORTIFIED Roof standard; OID OKReady.

Side by side

Class 4 and the IBHS rating test different things

UL 2218 Class 4IBHS hail rating
What hits the shingleA steel ball, droppedLab-made hailstones, fired at speed
Where the shingles come fromSubmitted for certificationBought off retail shelves by IBHS
What’s judgedPass or fail on crackingDents, tears and granule loss, scored Poor to Excellent
Meets the Oklahoma grant?For metal and low-slope roofs onlyGood or Excellent, for shingles
Hail size in mindTest ball up to 2 inchesMeant to protect against hail up to 2 inches

IBHS, 19 Nov 2025; IBHS FORTIFIED Roof standard.

The 2025 ratings

What IBHS found in its 2025 tests

IBHS released its largest set of shingle ratings on 19 November 2025. No product rated Excellent. Trade press counted 18 rated Good. Reports differ on the exact total tested (23 or 24) and whether any rated Poor.

A third-party roundup (June 2026) lists these as Good: GAF Timberline AS II, Malarkey Legacy, CertainTeed NorthGate ClimateFlex, CertainTeed Belmont IR, Owens Corning Duration FLEX, Atlas StormMaster Shake and PABCO Prestige. It lists TAMKO StormFighter FLEX, IKO Nordic and Malarkey Vista AR as Marginal.

Check the product your roofer quotes in the IBHS ratings tool before you sign. Ratings can change and these names come from a secondary source.

Why a Class 4 shingle can score Marginal

Every product IBHS rates is impact-resistant to begin with. The rating separates the ones that hold up best when hit by something closer to real hail. A shingle can carry a Class 4 label and still score Marginal, which wouldn’t meet the Oklahoma grant.

Ask your roofer: “Which shingle, and what’s its IBHS rating?”

Oklahoma’s hail record

Why hail drives roof decisions here

49.7%: Oklahoma roofs hit by severe hail over 4 years, highest in the US (Verisk 2025, via OID)
64.7%: Hit by severe hail in 2025 alone (Verisk 2025)
#5: Oklahoma’s rank for State Farm hail claims paid in 2025
OKC hailstorm

Baseball to grapefruit-sized hail.

OKC’s costliest hailstorm

Together with the storm six days earlier, about $1 billion in damage.

Moore EF5 tornado

About 14 miles long and up to 1.1 miles wide; 24 deaths.

Spring storms

OID issued claims guidance after the 5 to 6 March storms and the 23 April Enid storm.

KFOR; NWS Norman; OID releases. No roof stops a direct hit from a violent tornado; FORTIFIED is built for the hail and high wind that do most roof damage.

FAQ

Hail roof questions

Are Class 4 shingles enough for the Oklahoma FORTIFIED grant?

Not on their own. Asphalt shingles must be rated Good or Excellent by IBHS. Class 4 is enough for metal and low-slope roofs.

Which shingles are rated Good by IBHS?

A June 2026 roundup lists products from GAF, Malarkey, CertainTeed, Owens Corning, Atlas and PABCO. Check the exact product in the IBHS ratings tool.

Did any shingle get an Excellent IBHS rating?

No product rated Excellent in the 2025 ratings released on 19 November 2025.

What is the FORTIFIED Hail Supplement?

An add-on to the FORTIFIED Roof standard that sets hail requirements for the roof covering. Oklahoma’s grant requires it.

Hail roof quote

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