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Windstorm Insurance Calculator
Coastal states (TX, FL, LA, SC, NC) commonly require standalone windstorm policy separate from homeowners. Premium is higher than standard, depending on distance from coast and building construction. This calculator estimates cost.
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 home value, distance from coast, and construction type.
- See standalone windstorm premium.
Frequently Asked Questions
Why separate policy?
In wind-prone regions, private insurers exclude wind from regular homeowners — or the standalone program is state-backed (TWIA in Texas, Citizens in Florida, NC Joint Underwriting). You pay two premiums.
How much?
Texas coastal: $2,000-$6,000/yr for a $350K home. Florida: $3,000-$8,000 for similar. Inland wind coverage: $500-$1,200/yr typically. Construction type (concrete vs stick-built) and hurricane strapping affects price.
Can I opt out?
Only if you have no mortgage. Lenders require coverage for the coverage the loan depends on. Some eligible state programs require you to be rejected by 2+ private carriers before qualifying.
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