Wind Storm Insurance Calculator

Coastal properties need separate windstorm/hurricane coverage (FL, TX, NC, SC, GA).

Home replacement value

Miles from coast

Construction type

Hurricane strapping / tie-down

Estimated annual premium

$4,200

How the math works

$350K home, 5 miles from coast, frame construction, no strapping: ~$4,200/yr. Concrete + strapping: ~$2,700. Inland (50+ miles): $1,200.

Hurricane strapping retrofit costs $1,500-$4,000 once but saves 15-25% annually — pays back in 3-4 years. Roof replacement to impact-rated shingles also qualifies for discounts.

How to Use

Enter dwelling coverage.
Enter wind rate %.
Enter named storm deductible %.
Enter mitigation credit %.
Read annual wind premium.

Frequently Asked Questions

Wind insurance landscape?

States with separate wind: FL, TX (TWIA), MS, AL, LA, NC, SC. Wrap-up: HO-3 + wind rider in some markets. Premium: 0.5–4.0% of dwelling coverage in CAT zones. Deductible: 1–10% of TIV (not flat dollar) for named storms. Distance from coast: <1,000 ft most expensive; 1,000–10,000 ft mid; >10 mile inland near base premium. Construction: hurricane-clip roof + impact windows + reinforced garage = 25–40% premium reduction. Roof age: 15+ yr roof = 30–60% surcharge in FL.

How is this insurance cost determined?

Property and liability insurance pricing depends on construction class, occupancy class, sprinkler/alarm, location (CAT exposure: hurricane, earthquake, flood, wildfire), claims history, deductibles, and policy limits. Hard market 2022–2025: rates +20–60%, capacity tighter, deductibles higher. Soft market typical 2010–2019: stable to declining. Underwrite for cycle.

Coverage adequacy?

Property: replacement cost vs ACV, coinsurance penalty if under-insured (80–100% requirement). Business interruption: 12–24 months typical, period of restoration triggers. General liability: $1–2M/$2–4M, umbrella to $5–25M depending on occupancy. Pollution legal liability: critical for environmental-risk assets. Builders risk for construction. Match coverage to actual exposure.

Deductible strategy?

Higher deductibles save 5–25% on premium but require risk capital. Wind/hail named storm deductibles: 2–10% of TIV in CAT zones. All-other-perils: $5–25k typical. Self-insured retention (SIR) for sophisticated operators: $50k–500k. Captive insurance: $1M+ minimum, complex but effective for portfolios. Match deductible to financial strength and risk tolerance.