What is your hurricane deductible, in dollars?

The short answer

It is usually a percentage of your house limit, not a flat amount. On a $400,000 house limit, 2% is $8,000. In Florida it applies once a year, across every hurricane that year.

It is usually a percentage of your house limit, not a flat amount like your other deductible. On a $400,000 house limit, a 2% hurricane deductible is $8,000.

Don't know a word? Press any purple word to see what it means. They're all listed at the bottom of the page.

A percentage, not a flat amount

Try it with your own house limit.

1%–5%of the insured value: the usual range for hurricane or wind deductiblesInsurance Information Institute

$500, 2%, 5%, 10%the options Florida insurers must offerFlorida law as of October 2026

Every coastal state from Maine to Texas allows separate hurricane or wind deductibles.

Try it

Your hurricane deductible in dollars

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Your house limit (part A)

$400,000

Hurricane deductible

Your share before the policy paysScale: up to $40,000

How it works in Florida

Three rules worth knowing.

Once a year, not once a stormIt “shall apply on an annual basis to all covered hurricane losses that occur during the calendar year.” A second hurricane uses whatever is left of it.
Only in the hurricane windowFrom when a hurricane warning is issued for any part of Florida until 72 hours after the last watch or warning ends. Outside it, your ordinary deductible applies.
In dollars, on your policyThe insurer must “prominently display the actual dollar value of the hurricane deductible.” It is on your declarations page.

Florida law (Fla. Stat. 627.701 and 627.4025) as of October 2026. Statutes change; check your own policy.

A lower percentageCosts more each year.

A higher percentageCosts more in the year it matters.

Good to know

Raising your house limit raises this number too.

Remember this

Find the hurricane deductible in dollars on your declarations page, and ask whether you could pay it after a storm.

Words on this page

Declarations page: The summary at the front of your policy: what is covered, the limits, the deductible and the price.
Deductible: What you pay yourself on a claim before the insurer pays the rest. With a $500 deductible, the first $500 is yours.
Hurricane deductible: A separate deductible for hurricane damage, usually a percentage of your home's insured value, not a flat amount.
Wind deductible: A separate, bigger deductible that only applies to storm damage.

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