Class 4 impact-resistant shingles are the highest impact rating shingles carry, and in Allen (squarely in DFW hail territory) they are the upgrade that most often pays for itself through insurance premium discounts.
Class 4 is the top rating under the UL 2218 impact standard. To earn it, a shingle has to resist cracking when a steel ball, dropped to approximate severe hail, strikes it. For an Allen homeowner that pays off in two ways: fewer storm-damaged roofs over the life of the system, and wind/hail premium discounts that many Texas carriers offer for Class 4 products. Call your carrier for its specific discount before you decide. Either way, we document the product rating for your policy file.
Every quote is a free written estimate built on an inspection documented with photos. Deductibles are never waived, per Texas law, and Cedar Crest does not act as a public adjuster.
How often Class 4 earns its keep in Allen
The hail record makes the case plainly. In 13 of the last 20 years, hail an inch or larger fell within 6 miles of Allen. Since 2006 that area has logged 27 such days, and 12 of them brought golf-ball size or larger. The biggest stone on record was 4.5 inches on March 24, 2019. No shingle is immune to a stone that size, but an impact-rated roof holds up far better through the ordinary storms that arrive most years.
Housing age matters too. With a median build year of 2003 and 27 percent of homes built in 2010 or later, a lot of Allen roofs are original. Replacing one is the natural time to step up to Class 4 rather than pay for it later. The same crews install impact-rated shingles across Collin County, including Lucas and Plano.
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 Allen
How a roof system holds up in Allen depends on the storms it has to take and the houses it sits on. Here is what the public record shows.
27
Hail days, 1 in.+ since 2006
12
Golf-ball-size hail days
4.5 in.
Largest stone on record
2003
Median year homes built
Hail near Allen
NOAA's Storm Events Database lists 27 days since 2006 with hail one inch or larger reported within 6 miles of Allen. On 12 of those days, the stones were golf ball size or bigger. Hail that size was reported in 13 of the last 20 years. The largest stones on record nearby measured 4.5 inches (softball size) on March 24, 2019. The most recent report: 1-inch hail on March 29, 2025.
March 24, 2019: 4.5-inch hail (softball size)
June 13, 2012: 3.25-inch hail (teacup size)
May 19, 2023: 2.5-inch hail (tennis ball size)
April 21, 2017: 2.5-inch hail (tennis ball size)
March 25, 2025: 2.25-inch hail (hen egg size)
How old Allen homes are
The median home in Allen was built in 2003. A large share of the city's 39,094 housing units are now old enough that original roofs are coming due, while 27% were built in 2010 or later.
Sources: NOAA National Centers for Environmental Information, Storm Events Database (hail reports since 2006 within 6 miles of Allen); 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 Allen
Do Class 4 shingles make my roof hail-proof in Allen?
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 Allen?
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 Allen?
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 Allen?
NOAA's Storm Events Database lists 27 days since 2006 with hail one inch or larger reported within 6 miles of Allen, including 12 days with golf ball size stones or bigger. Hail that size was reported in 13 of the last 20 years. The most recent report was 1-inch hail on March 29, 2025.
How old are most homes in Allen?
The median home in Allen was built in 2003, according to the U.S. Census Bureau's American Community Survey. 7% of the city's housing units predate 1980 and 27% were built in 2010 or later. Many homes here are reaching the age when original roofs come due.
