| Asphalt shingles | Standing-seam metal | |
|---|---|---|
| Upfront cost | Lower | Higher (see the national averages in the 2025 Cost vs. Value Report) |
| Snow | Holds snow | Sheds snow quickly, so you may need snow guards over doors and walkways |
| Hail | Class 4 shingles are available | Can dent cosmetically; check the impact rating |
| Wind | Depends on the nailing and the shingle's wind rating | Very good when properly fastened |
| Fire/embers | Many are Class A rated | Noncombustible and typically Class A |
| Sun/heat | UV ages the shingles | Reflective finishes help cool the attic |
Asphalt usually wins on budget. Metal is worth the extra cost if you plan to stay in the home for a long time, or if you live near the wildland-urban interface.