Well, let’s break down the problem…
If the number of times it hails changes, we will probably see a change in the damage cost.
Meaning if it hails 15 times in San Francisco this next year, then the damage would be a lot less then if it were to hail 32 times.
The independent variable is the amount of time it hails per year and the damage cost would be the dependent variable.
(independent variable) hail per year++ === (dependent variable) damage cost++
(independent variable) hail per year– === (dependent variable) damage cost–
These variables have special names to them in Machine Learning.