Class 4 impact-resistant shingles are the highest impact rating shingles carry, and in Murphy (squarely in DFW hail territory) they are the upgrade that most often pays for itself through insurance premium discounts.
Class 4 refers to the UL 2218 impact standard: the shingle resists cracking under a steel-ball impact test that approximates severe hail. In Murphy, that matters twice. You get fewer storm-damaged roofs over the system’s life, and many Texas carriers discount wind/hail premiums for homes roofed with certified Class 4 products. Ask your carrier for their specific discount before you decide; we document the product certification for your policy file either way.
We install and service class 4 impact-resistant shingles across Murphy and the surrounding DFW communities. Expect free written estimates, documented inspections, and honest guidance on whether this system actually fits your home and budget.
On the ground in Murphy
In Murphy, the Class 4 Impact-Resistant Shingles conversation usually starts with the roof that is already up there. A large share of homes here are young enough that their original builder-grade roofs are only now meeting their first serious hail test. Asphalt fits that reality well: it replaces like-for-like without structural questions, and the Class 4 versions buy real hail resilience for a modest premium.
Permit-wise, this work in Murphy runs through the city’s building department; filing it is our job, not yours. North Texas sits in the country’s most active hail belt, and Class 4 shingles take bruises where standard laminates open up. The difference shows at the adjuster meeting. Because Plano, Frisco, and McKinney share our dispatch routes, examples of this exact system nearby are easy to arrange. Everything above gets specific, in writing, once we have looked at the actual roof.
THE SYSTEM
Class 4 Impact-Resistant Shingles, up close.
Class 4 impact-resistant. The standard architectural look over an SBS-modified mat that bruises instead of fracturing.
PUBLIC RECORD
The local record behind Class 4 Impact-Resistant Shingles in Murphy
How a roof system holds up in Murphy depends on the storms it has to take and the houses it sits on. Here is what the public record shows.
19
Hail days, 1 in.+ since 2006
7
Golf-ball-size hail days
5.25 in.
Largest stone on record
2005
Median year homes built
Hail near Murphy
NOAA's Storm Events Database lists 19 days since 2006 with hail one inch or larger reported within 4 miles of Murphy. On 7 of those days, the stones were golf ball size or bigger. Hail that size was reported in 10 of the last 20 years. The largest stones on record nearby measured 5.25 inches (softball size) on April 11, 2016. The most recent report: 1.25-inch hail on April 27, 2026.
April 11, 2016: 5.25-inch hail (softball size)
June 13, 2012: 3.25-inch hail (teacup size)
March 25, 2025: 2.25-inch hail (hen egg size)
April 23, 2021: 2-inch hail (hen egg size)
April 6, 2018: 2-inch hail (hen egg size)
How old Murphy homes are
The median home in Murphy was built in 2005. A large share of the city's 6,030 housing units are now old enough that original roofs are coming due, while 18% were built in 2010 or later.
Sources: NOAA National Centers for Environmental Information, Storm Events Database (hail reports since 2006 within 4 miles of Murphy); U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates. Data pulled September 2026.
Common questions about class 4 impact-resistant shingles in Murphy
Do Class 4 shingles make my roof hail-proof in Murphy?
No. Class 4 is the highest impact rating, not immunity. Large hail can damage any roof. The rating means significantly better resistance to the hail sizes DFW sees most often.
How much do I save on insurance with Class 4 in Murphy?
It varies by carrier and policy. Texas insurers commonly discount the wind/hail portion of premiums for certified Class 4 roofs. Your agent can quote the exact discount; bring the product certification we provide.
Is upgrading from builder-grade shingles worth it in Murphy?
Usually at the first replacement or claim: Class 4 impact-rated systems earn many Texas carriers' premium discounts, and newer communities' HOA standards generally approve them easily. The math works hardest on homes facing decades of DFW hail.
How often does hail hit Murphy?
NOAA's Storm Events Database lists 19 days since 2006 with hail one inch or larger reported within 4 miles of Murphy, including 7 days with golf ball size stones or bigger. Hail that size was reported in 10 of the last 20 years. The most recent report was 1.25-inch hail on April 27, 2026.
How old are most homes in Murphy?
The median home in Murphy was built in 2005, according to the U.S. Census Bureau's American Community Survey. 5% of the city's housing units predate 1980 and 18% were built in 2010 or later. Many homes here are reaching the age when original roofs come due.
