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← Hurricane Deductibles Explained

Hurricane Deductible Calculator

Enter your home's insured value and deductible type to see what you'd actually owe out of pocket on a hurricane claim.

Your Policy Details

$250,000
$100K $1M
Deductible Type
Your State

Your Hurricane Deductible

You'd Owe Out of Pocket
$5,000

On a $250,000 home with a 2% hurricane deductible, you'd owe $5,000 out of pocket before insurance pays anything on a hurricane claim.

For context: A flat $2,500 deductible would save you $2,500 compared to this percentage deductible.

In Florida: Your hurricane deductible applies when the National Hurricane Center issues a hurricane warning for your area and typically extends 72 hours after the warning expires.

This calculator provides estimates for educational purposes. Your actual deductible depends on your specific policy. Verify with your insurance agent.

How to Use This Calculator

Start with your dwelling coverage amount. This is the Coverage A figure on your declarations page — the amount your policy would pay to rebuild your home's structure. It is not your home's market value or purchase price. Slide the value bar to match your coverage.

Select your deductible type. Most Gulf Coast homeowners have percentage-based hurricane deductibles. If your declarations page shows "2% hurricane deductible" or similar, choose Percentage and select the matching percentage. If it shows a flat dollar amount like "$5,000 hurricane deductible," choose Flat Dollar and enter the amount.

Choose your state for context. The calculator shows when your deductible applies based on your state's trigger conditions. Florida, Alabama, and Mississippi each handle hurricane and wind deductibles differently.

Not sure where to find your deductible? Your declarations page — the summary at the front of your policy — lists all deductible amounts. Look for a line labeled "Hurricane Deductible," "Named-Storm Deductible," or "Wind/Hail Deductible." If you cannot locate it, call your insurance agent and ask.

Insurance education disclaimer: This calculator provides estimates for educational purposes only. It is not insurance advice. Your actual deductible, trigger conditions, and payout depend on your specific policy terms, endorsements, and state regulations. Always verify your deductible amount and coverage details with your insurance agent or carrier.