Hurricane Deductible Calculator

In hurricane-prone states, policies often apply a separate percentage-based deductible (2-10% of dwelling coverage) just for named storms or hurricane damage. This calculator computes the dollar amount. Percentage-based deductibles apply only during named storms or hurricanes. Your insurer's hurricane declaration policy defines when it triggers — typically when a storm is named in your state's forecast area. Named-storm deductibles can be dual (wind + flood separately) or combined. Hurricane shutters, impact-rated windows, and roof-tie-down retrofits can lower the deductible or reduce overall premium 15-30% depending on state wind mitigation credits.

Dwelling coverage

Hurricane deductible %

Main deductible (for comparison)

Hurricane deductible $

$20,000

Over main deductible

$17,500

How the math works

$400K dwelling × 5% = $20,000 hurricane deductible. Way higher than a $2,500 main deductible.

Keep $20K+ accessible in reserve if you live in a hurricane zone with percentage deductible. Otherwise a hurricane loss leaves you underinsured against cash flow needs.

How to Use

Enter dwelling coverage and hurricane deductible %.
See actual dollar deductible.

Frequently Asked Questions

When does hurricane deductible trigger?

When a named storm (hurricane or tropical storm) causes damage. Some policies: only Category 3+. Some: any named storm. Read your specific policy language.

Can I reduce the % deductible?

Usually — buying down from 5% to 2% costs 15-40% more in premium. Rarely worth it unless you can't absorb the potential $10K-$25K shock.

Separate from main deductible?

Yes. Main deductible: $1K-$5K for normal claims. Hurricane: 2-10% of dwelling — far larger. Example: $400K dwelling at 5% hurricane = $20,000 deductible for storm damage.