The short answer
Are metal roofs loud in the rain?
No, not when the roof is built the way houses are built. A metal roof over a solid deck, underlayment and an insulated attic sounds about like other roofs. The loud metal roof people remember is usually a barn or a patio cover.
Most people who think metal is loud are remembering a barn, a carport or a patio awning. In those buildings nothing sits between you and the metal except air. ATAS International, a metal roofing maker, says it plainly: the idea that a metal roof is noisy comes from that memory.
A house is different. Under the panels there is a roof deck, an underlayment layer and an attic. ATAS reports that people who live under metal roofs say they hear the rain on their skylights, not on their metal roof. It also says some homeowners are disappointed because they hoped for the gentle patter of an old tin roof.
The numbers behind this come from a study by The Acoustic Group at the University of Luleå in Sweden. ATAS summarizes the result this way: metal did not register a significantly higher sound level than asphalt shingles, and the difference was only 6 decibels. We could not find the original study online, so treat that figure as the maker's summary. The direction matches what other roofing sources say, such as Drexmet, but none of them cite test data you can open.
The fair version, then: a metal roof is not automatically loud, and it is not automatically silent either. What is under the panels decides most of it. Coastline installs 24-gauge standing seam and 5V crimp metal roofs, and our metal roofing page shows both.
What about hail and wind-driven rain? Drexmet groups rain, sleet and hail together when it says metal is no louder than asphalt or stone roofing. None of the sources we opened measured hail noise on its own, so we will not claim a number for it. If a hailstorm is your worry, our hail damage guide covers what it does to Florida roofs.