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Hurricane Deductible Calculator
Estimates based on Insurance Information Institute, NAIC, and Policygenius hurricane deductible data, updated August 2026.
See what a percentage hurricane or named-storm deductible actually means in real dollars against your dwelling coverage, not just as an abstract percentage.
Data sourced from Insurance Information Institute, NAIC, Policygenius
Your hurricane deductible in dollars
$0
How this is calculated
Source: Insurance Information Institute, NAIC, Policygenius (state hurricane deductible practices) · Last updated 2026-08-21 · See how we calculate this →
Why a hurricane deductible is not like your regular deductible
Most homeowners are used to a flat-dollar deductible, commonly $500 to $2,000, that applies the same way no matter what caused the damage. In many coastal states, though, a separate hurricane or named-storm deductible applies instead once a storm is officially designated a hurricane (or, in some states, any named tropical storm or general windstorm event).
That separate deductible is usually calculated as a percentage of your dwelling coverage amount, not your total claim and not a flat dollar figure, which means the actual out-of-pocket number can be dramatically larger than what homeowners expect from a standard deductible, and is worth understanding in real dollars before a storm hits, not after.
As of recent data, 19 states plus Washington, D.C. have some form of hurricane or named-storm deductible in place, per the National Association of Insurance Commissioners (NAIC): Florida, Texas, Louisiana, Mississippi, Alabama, Georgia, South Carolina, North Carolina, Virginia, Maryland, Delaware, New Jersey, New York, Connecticut, Rhode Island, Massachusetts, Maine, Hawaii, Pennsylvania, and D.C. The typical range is 1% to 5% of dwelling coverage, according to the Insurance Information Institute, though it can run as high as 10% in the highest-risk coastal areas.
Florida is the most detailed case: homeowners there commonly choose between 2%, 5%, or 10% of dwelling coverage (with a $500 flat-dollar option available on homes insured up to $250,000), and Florida applies its hurricane deductible once per calendar year regardless of how many storms hit, an unusual and homeowner-friendly rule most other states do not share.
Louisiana permits 2% to 5% of dwelling coverage and has a similar "one deductible per year" consumer protection. Texas uses a windstorm deductible, commonly 1% to 5% of the dwelling limit and higher in coastal Tier 1 counties, that applies to any wind damage, not only hurricanes specifically.
The math itself is simple once you know your real percentage: multiply your dwelling coverage (not your total policy limit, and not your home's market value) by the deductible percentage.
A 2% deductible on a $300,000 dwelling coverage amount is $6,000 out of pocket before your insurer pays anything toward hurricane damage, six times a typical $1,000 flat deductible.
The gap only grows from there: a 10% deductible on that same $300,000 in coverage is $30,000, an amount many homeowners are not prepared to cover in cash after a major storm.
Your actual percentage is set on your policy, not chosen freely, so the only way to know your real number for certain is your declarations page, the document your insurer sends at each renewal listing your exact coverage limits and deductibles.
This calculator defaults to a typical percentage for your selected state, since national databases document state-level norms rather than individual policy terms, but you should override the slider with your own policy's actual number once you have checked it.
If your state is not among the 19 with a documented common practice, that does not guarantee you are exempt: some individual insurers apply a percentage deductible regardless of state norms, so checking your own declarations page is the only way to be certain either way.
Frequently asked questions
What is a hurricane deductible?
In many coastal states, homeowners policies carry a separate deductible for hurricane or named-storm damage instead of, or on top of, your standard deductible. Unlike a standard flat-dollar deductible, a hurricane deductible is usually a percentage of your dwelling coverage amount, commonly 1% to 5%, and sometimes up to 10% in high-risk areas.
How do I find my actual hurricane deductible percentage?
Check your homeowners declarations page, it lists your specific hurricane or named-storm deductible percentage (or confirms you only have a standard flat deductible). This tool defaults to a typical percentage for your state, but your actual policy may differ, use the slider to enter your real number.
Does a hurricane deductible apply once per storm or once per year?
It depends on the state and policy. Florida applies its hurricane deductible once per calendar year regardless of how many storms hit, while most other states apply it per storm. Louisiana has a similar 'one deductible per year' consumer protection rule.
Which states commonly use percentage hurricane deductibles?
As of recent data, 19 states plus Washington, D.C., have some form of hurricane or named-storm deductible, concentrated along the Gulf and Atlantic coasts: Florida, Texas, Louisiana, Mississippi, Alabama, Georgia, South Carolina, North Carolina, Virginia, Maryland, Delaware, New Jersey, New York, Connecticut, Rhode Island, Massachusetts, Maine, Hawaii, Pennsylvania, and D.C.