Hurricane and wind deductible calculator

Trigger: For policies covering residential property, including apartment buildings and condominium, cooperative and homeowners associations, a hurricane deductible period starts when the National Hurricane Center issues a hurricane warning for any part of Florida and ends 72 hours after the last hurricane watch or warning for the state ends. Office, retail and industrial property isn't covered by this definition.

• Apartment buildings and condominium associations must be offered a hurricane deductible that applies once a calendar year and one that applies to each hurricane.
• Any policy with a separate hurricane deductible must say on its face, in bold type, that it contains a separate deductible for hurricane losses.
• A deductible that applies only to hurricanes, or is stated as a percentage, needs approval as clear and unambiguous.

State wind pool: Citizens commercial residential wind-only policies list hurricane deductibles of 3%, 5% and 10%, per hurricane or per calendar year, with a $1,000 minimum (chart dated March 2026).

Sources: Florida Statutes 627.4025 (2026); Florida Statutes 627.701 (2026); Florida Department of Financial Services, Florida's hurricane deductible

Trigger: The law defines hurricanes and named storms as storms the National Hurricane Center declares, with no time window: each policy sets its own trigger. Under a named storm deductible, the trigger is whether the National Hurricane Center gave the storm a name.

• For commercial property and commercial multi-peril policies issued on or after January 1, 2023 by authorized insurers, except policies with $20 million or more in total insured value, the named storm or hurricane deductible applies once for all such losses in a calendar year.
• For later storms in the same year, the insurer may apply the greater of what remains of that deductible or the all-other-perils deductible.
• Homeowners policies have had the same once-a-year rule since January 1, 2010.

Sources: Louisiana R.S. 22:1267.1; Louisiana R.S. 22:1337; Louisiana Department of Insurance, Advisory Letter 2018-01 (revised 2023)

Trigger: Only a hurricane, tropical storm or tropical depression named by the National Weather Service or the National Hurricane Center can trigger a named storm deductible. No time window is set.

• For personal and commercial policies, including surplus lines, a policy with a hurricane, named storm or wind and hail deductible must include a worked example for a $100,000 policy and a clear explanation of what triggers it.
• The policy and declarations page must state in capital letters that the policy contains a separate deductible that may result in high out-of-pocket expenses.
• Adding or raising such a deductible at renewal needs the named insured's signature or initials.

State wind pool: The South Carolina Wind and Hail Underwriting Association's commercial deductibles are 2% (Zone 2 only), 3%, 4%, 5% and 10%, each with a dollar minimum and maximum, for example 5% with a $2,500 minimum and a $125,000 maximum. They apply separately to each structure and its contents, per occurrence.

Sources: S.C. Code of Regulations 69-56; SCWHUA Rates, Rules and Forms Manual (November 2025)

Trigger: A hurricane deductible may apply only when the hurricane brings sustained winds of 74 mph or more to any part of the state. The period starts no earlier than the National Hurricane Center's hurricane warning for the state and ends 24 hours after the last warning ends or the storm is downgraded, whichever is earlier.

• The rule covers personal policies and condominium and unit owners' association master policies, not apartment or other commercial buildings.

Sources: Connecticut General Statutes 38a-316a

Trigger: No Texas statute or Department of Insurance rule sets a hurricane or named storm deductible trigger for private insurers; the policy decides.

• None found for residential or commercial policies.

State wind pool: TWIA's commercial deductibles are 1%, 2% or 5% per item, per occurrence, of each item's insured amount, with a $1,000 minimum. They apply to any windstorm or hail loss, not only named storms.

Sources: TWIA Rating Rules Manual; TDI, What to know about deductibles

Trigger: No Alabama statute or regulation sets a trigger.

• For residential and commercial policies, adding or raising a hurricane deductible for a group of policyholders at renewal needs written notice to the policyholder at least 120 days before renewal.

State wind pool: The Alabama Insurance Underwriting Association applies its wind, hail and hurricane deductible to each occurrence, as a percentage of the building limit at the time of loss.

Sources: Alabama Administrative Code 482-1-136

Trigger: No statute sets a trigger for private insurers. The Rate Bureau's dwelling form runs from a named storm advisory, watch or warning for the state to 24 hours after the last one ends.

• The Coastal Property Insurance Pool must offer a 1% named storm deductible on all its policies, commercial included, and may not offer less.

Sources: N.C. General Statutes 58-45-45; Coastal Property Insurance Pool, Manual of Rules and Procedures

Trigger: For homeowners policies, a named storm or hurricane deductible period starts when the National Hurricane Center issues a watch or warning for any part of the state and ends 24 hours after the last one ends.

• The regulation covers homeowners policies only.

State wind pool: The Mississippi Windstorm Underwriting Association must offer a 2% named storm deductible and treats buildings with more than four units as commercial.

Sources: Mississippi Insurance Department, Regulation 2014-5

Trigger: Since February 2, 2026, a hurricane deductible applies only when the hurricane makes landfall in New York, from 12 hours before landfall to 12 hours after the last hurricane watch or warning for the state is canceled.

• The rule covers homeowners and dwelling fire policies only.

Sources: New York DFS, Insurance Regulation 159 (11 NYCRR 74)

Trigger: For homeowners policies, a hurricane deductible applies to a named hurricane that brings sustained winds of 74 mph or more measured in New Jersey, from 12 hours before to 12 hours after those winds.

• The rule covers homeowners policies only.

Sources: N.J.A.C. 11:2-42.9

Trigger: For residential policies, from the National Hurricane Center's hurricane warning for the state to 24 hours after the last warning ends, when the storm brings hurricane-force sustained winds.

• Residential hurricane deductibles apply once a calendar year; the regulation says it doesn't apply to commercial policies.

Sources: R.I. General Laws 27-76-2; 230-RICR-20-05-13

Trigger: A mandatory percentage hurricane deductible applies only from the National Hurricane Center's hurricane warning for the county to 24 hours after the last warning ends.

• The rule covers homeowners policies only; business and most rental buildings are outside it.

Sources: Maryland Code, Insurance 19-209

Trigger: No state trigger. Residential insurers must explain their wind, hail and hurricane deductibles, including the trigger.

• A notice rule for residential policies only.

Sources: Delaware Code, Title 18, 4140

Trigger: No statutory trigger for private insurers. The Insurance Commissioner told insurers in August 2026 to apply the policy language as written: a watch, warning or storm name doesn't by itself decide which deductible applies.

• No private-market limit found.

State wind pool: The Hawaii Hurricane Relief Fund's hurricane policy for condominium and townhouse associations has a fixed 2% deductible per building.

Sources: Hawaii Insurance Division, Memorandum 2026-7A; Hawaii Hurricane Relief Fund

Trigger: No Georgia statute, rule or bulletin on these deductibles was found.

• None found.

Sources: NAIC, Hurricane deductibles

Trigger: No Virginia statute or regulation sets a trigger. The State Corporation Commission says insurers must explain a deductible they raise at renewal.

• None found.

Sources: Virginia SCC, Homeowners insurance guide

Trigger: No statute or regulation; the state FAIR Plan sets its own named storm terms.

• None found.

State wind pool: The Massachusetts FAIR Plan's commercial program for buildings with five or more units lists flat deductibles from $250 to $75,000 and no percentage named storm deductible.

Sources: Mass.gov, Understanding home insurance; MPIUA Producer Manual (April 2025)