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Home insurance in Gaithersburg, MD

Montgomery County has taken 48 damaging hail events in 10 years. Your roof coverage matters more here than most places.

Hail and wind in Montgomery County

Roof claims are what most homeowners here actually end up filing, and roof coverage is where policies differ most. Some pay to replace a damaged roof; others pay its depreciated value, which on an older roof can be a fraction of what a new one costs. A separate, larger wind and hail deductible is common.

Over the last 10 years, Montgomery County recorded 48 hail events of one inch or larger — the size at which hail starts doing damage worth claiming — along with 443 damaging wind events and 7 tornadoes. The largest hail recorded measured 2.75 inches.

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Hail events of 1 inch or more, by year

Source: NOAA Storm Events Database, Montgomery County, through 2025.

More about insuring a home in Gaithersburg

Fire protection classFlood riskHail, wind and your roofYour home rebuild costWhat a policy coversRV & motorhomeAbout Gaithersburg's GEICO agent
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