Three-tab asphalt
The entry option. Flat appearance, lightest wind rating, shortest service life. Increasingly hard to justify in a hail region — the small saving up front rarely survives one significant storm.
Architectural asphalt
The default for most Central Texas homes, and for good reason. Dimensional appearance, meaningfully better wind performance, longer service life, and the widest range of manufacturer warranty options.
Impact-resistant (Class 4)
Engineered to absorb hail impact without fracturing the mat. Costs more up front. Many Texas carriers offer a premium discount for Class 4 — worth asking yours before you decide, because it changes the real number.
Standing seam metal
Longest service life by a wide margin, excellent wind performance, reflects heat well. Highest cost, and it does dent under large hail without losing function — a cosmetic outcome some homeowners mind and some don’t.
Metal shingle / stone-coated
Metal durability in a profile that reads more traditional. A middle path where an HOA or the architecture makes standing seam the wrong look.
Tile
Very long-lived and suited to certain Hill Country architecture, but heavy — many homes need a structural assessment before it’s even an option. Individual tiles are brittle under hail, though replaceable.