At a specialized cold lab in Boulder, Colorado, where indoor temperatures hover around minus 4 degrees Fahrenheit (minus 20 degrees Celsius), atmospheric researcher Anthony Bernal Ayala slices hailstones with a band saw, revealing layers of icy growth like the rings of a tree. These frozen rings — clear or cloudy, thick or thin — indicate the conditions in which the hail formed: A clear layer signals the water froze slowly, while a cloudy layer means it happened quickly, trapping air bubbles. Bernal Ayala then analyzes the crystalline structures, particles and isotopes preserved in these layers. “All that information can tell you a wonderful story of how the hailstone was growing, but nobody — not until now — was able to tap into that history,” said Bernal Ayala, who works for Atmospheric and Environmental Research, part of the JANUS Research Group.
Bernal Ayala’s research, conducted at the National Center for Atmospheric Research (NCAR), is part of a historic effort to study one of the costliest weather hazards. Researchers hope their findings will help protect lives and property from the stones that careen to Earth, battering roofs, pummeling crops and pockmarking cars.
From 2023 to 2025, annual severe thunderstorm losses exceeded $50 billion nationwide, according to the Insurance Institute for Business and Home Safety — more than double the losses seen just a decade earlier. Hail accounted for 60 to 80% of the damage.
In Colorado, one of the country’s most hail-prone states, hail — not wildfire — is the main factor driving up insurance premiums. And researchers expect larger, more damaging hailstones to become more common with climate change.
“It’s going to just keep getting costlier and costlier,” Bernal Ayala said.
EVEN BASIC QUESTIONS about hail have been notoriously hard to study. But a long-awaited resurgence in research, including the first major U.S. field campaign to study hail in more than 40 years, could help change that.
ICECHIP — the “In-situ Collaborative Experiment for the Collection of Hail In the Plains” — aims to improve forecasts, make warnings more precise and help communities better prepare. It received $11 million in funding from the National Science Foundation in 2024, just before deep cuts hit the foundation in 2025.
For six weeks in spring 2025, about 100 scientists and university students chased hailstorms across the Central Plains and Front Range, from the Canadian to the Mexican border, using radar trucks to track storms and drones to take aerial footage. Researchers photographed hail with high-speed cameras, measured its impact with a tool called a disdrometer, recorded hail’s distribution and size based on its imprints on foam pads, captured it in specialized funnels and crushed it to test its strength.
Scientists from the Australian Bureau of Meteorology also used balloons to release golf ball-sized sensors into storms. Once aloft, each hail-like probe collected data on how fast it was traveling and whether ice was growing on it; a microphone even recorded water droplets and hailstones hitting it.
“This has really been the first time where we’ve been able to do a real comprehensive look at hail on the ground, hail aloft, the storm itself, the environment around the storm — just everything all at once,” said Becky Adams-Selin, ICECHIP’s lead investigator and a principal scientist at Atmospheric and Environmental Research, JANUS Research Group.
ICECHIP’s samples were packed into 26 cooler-sized boxes and brought to NCAR. This internationally renowned hub for weather and climate research has been used to study hail for decades. In one of its last major campaigns, in the 1970s, the U.S. investigated Soviet claims that it could suppress hail.
Researchers say there’s no other U.S. lab like it; the backup plan to store ICECHIP’s samples involved using a walk-in freezer from a fast-food restaurant.
Now NCAR’s own future is uncertain: In late 2025, the Trump administration said it would dissolve the center and transfer its work out of state. The University Corporation for Atmospheric Research (UCAR), which manages NCAR, sued the administration in March, alleging that it’s targeting NCAR to punish Colorado for retaining its mail-in voting system and because Gov. Jared Polis initially refused to release former Mesa County clerk Tina Peters, a 2020 election denier imprisoned for breaching election security and undermining election integrity.
In June, a federal judge temporarily blocked the White House from dismantling NCAR. The government has until Sept. 30 to respond to the lawsuit.
“I can’t even quantify the impact that it would have to our community if we lost NCAR,” Victor Gensini, professor of meteorology at Northern Illinois University, told HCN. “They are the beating heart.”
“I can’t even quantify the impact that it would have to our community if we lost NCAR. They are the beating heart.”
PREVIOUS RESEARCH HAS PREDICTED climate change’s effects on hail, noting that warmer temperatures could melt smaller hailstones before they land but also fuel stronger updrafts, keeping hailstones airborne longer and allowing them to grow bigger, enabling the most damaging hail to become more common.
A record-setting stone recovered in Yuma County, Colorado, in 2023 measured more than 5 inches across. That year, the state logged 176 reports of hail 2 inches or greater, surpassing the previous record of 91 reports in 2018, according to the Colorado Climate Center.
Scientists say it’s difficult to know how much of the rise in damage is due to the increase in large hail versus the increased development in hail hotspots. The connection between a rapidly growing human footprint and higher insured losses has been dubbed the “expanding bull’s-eye effect.”
Gensini, a principal ICECHIP investigator, cites the development boom east of the Front Range, along Colorado’s Interstate 25 corridor, which has grown explosively in recent decades. The population of the Fort Collins metro area alone has doubled since 1990 to around 375,000 residents, according to the U.S. Census Bureau.
This is happening across the Western U.S., as previously rural or open areas become densely populated, increasingly expensive targets for hail.
“Colorado is the poster child for what I expect the next 25 years to look like for hail,” Gensini said.
IN 2019, FORT COLLINS became one of the first cities to adopt hail-specific roofing requirements for new builds and remodels. Marcus Coldiron, the city’s chief building official, said it was partly in response to all the shingles and roofing materials taken to the landfill after a catastrophic hailstorm in 2018.
It’s still unclear how well the requirements are working: Coldiron said fewer permits were being issued for roof replacements and fewer shingles were going to the dump. However, Fort Collins also hasn’t experienced a hailstorm as devastating as the one that hit in 2018.
A growing number of Front Range communities now require impact-resistant shingles in their building codes, and Colorado legislators recently passed a law offering grants to residents who install more resilient roofing.
ICECHIP’s researchers are also investigating how they can improve building materials as billion-dollar losses from single storms become more common.
“The dollars are simply piling up so fast,” said Ian Giammanco, a lead research meteorologist at the Insurance Institute for Business and Home Safety, one of ICECHIP’s key partners. “We’re still trying to understand how do we get the best materials onto roofs, onto people’s homes, onto businesses to actually start shaving off these losses.”
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This article appeared in the October 2026 print edition of the magazine with the headline “Hail Alley meets climate change.”
