首先我用中文搜索了度娘，结果是，基本上没有深入的讨论和文章。用谷歌搜索，还真有详细论证的。下面是一个叫 Jaff Haby 的气象学家写的对于冰雹损坏的研究。我翻译过来，让大家知道一下以保护自己的财产。

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冰雹是球状冰块，通常在暴风雨时候伴随。要成为冰雹，必须要在上下翻动的云层里来回包裹成圆形冰块。冰雹最低要求是至少要有0.2英寸。最初的冰雹红色警告是National Weather Service 发出的，大小有1英寸以上。当然1英寸以下的冰雹也可能产生危害，这就要看针对什么了。半英寸的冰雹可能对农作物带来巨大损害，但却不能给水泥建筑物带来问题。

风速，会给冰雹带来更多的损害，如果刮大风，时速超70迈，那么小冰雹也可以造成大伤害。当然如果是小冰雹高风速，那么这只是农民们担心的事情。

关键是你想保护啥，是汽车挡风玻璃，还是你家屋顶，还是农作物，还是。。。对于农作物，哪种尺寸的冰雹都是致命的。

如果尺寸超过1英寸，比高尔夫球还大，造成的破坏会直线上升。1.5英寸的冰雹远远比0.75英寸的冰雹的威力要大的不止2倍。

冰雹是大小不一的，一般他们预测时候，会把最大的作为标准，但是这很难说如果一个大于标准的打了你的挡风玻璃。。。。

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下面说的都是小冰雹出现问题的各种各样的打官司了。

从中学习，如果有大概0.5英寸（像大拇指指甲大小）大小的冰雹袭击，那么就必须上东西挡住啦

VARIABILITY OF HAIL SIZE: The hail falling from a storm will not be all of one size. There will be a great variability in hail size. Warnings are issued for the largest hail size falling from the storm thus the hail size experienced will often be smaller than the reports of largest hail size falling from the storm. For example, if a storm is reported to be severe due to 1" hail size it is likely most will experience smaller hail than this unless the storm dynamics change. There is not an exact way to know the hail size any one place will experience. One place could have golf ball size hail while a mile away there is just marble size hail. Because the hail size is variable, the damage will be variable also. The damage will be much more extreme where the hail sizes are the largest. When a warning is issued from a storm for large hail you could end up getting large hail, small hail or no hail from the storm depending on where exactly you are in relation to the storm.

WHAT MAGNITUDE OF DAMAGE WILL YOU ACCEPT?: The smaller hail size will result in less damage. However, one person's light damage can be another person's severe damage. One person may be able to overlook very small and hard to see dents on a car while another person would consider it very bad damage. Some minor crop damage can be considered very severe to a farmer if they were counting on harvesting all of the crop. Those that can not tolerate any damage will tend to go with a smaller threshold (i.e. 1/2" for severe hail) while those able to tolerate minor damage will go with a higher threshold (i.e. 1" for severe hail).

NUMBER OF WARNINGS: The number of severe storm warnings will be much higher if the hail threshold size is smaller (i.e. 1/2"). This will produce an excess of warnings in which the public will not take them as seriously. Also, as mentioned, when a storm is warned on for hail almost all people will experience a smaller hail size than what the storm is warned for. Partially because of this, the threshold was moved from 3/4" up to 1" for severe hail. This will reduce the number of warnings and people will take the hail warnings more seriously. The downside though is that the smaller hail can still produce damage.

SHOULD SEVERE HAIL THRESHOLD BE CHANGED?: For general purposes the 1" threshold is a good one in my opinion. It is pretty much just right.. not too big and not too small of a threshold. However, as mentioned the threshold you consider severe is going to depend on what you are trying to protect, what you consider significant damage and on other factors that go along with the hail.