@umbra21 - Hard water also just generally makes it hard to wash anything, including your hair. It doesn't work very well with soap.
In fact, one of the quick ways you can test if your water is hard is to get some rain water and some tap water and squirt a bit of soap into both. Then, splash them around. If they get the same amount of suds, the tap water is not hard. But, if it doesn't froth up like the rain water, it probably has some minerals in it.
Hard water just generally makes it more difficult to clean anything, whether it is hair or clothes or dishes or whatever.
It can also damage things like your hot water system, so installing a whole house water softener is a good idea.
Usually if you type in the name of your city and "hard water" you'll find information on whether or not you need to worry about it.