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Direct answer: A hurricane deductible is a separate deductible, usually 1% to 5% of your home's insured value, that applies only to hurricane damage. Nineteen states and D.C. have them, from Maine to Texas plus Hawaii. On a $300,000 home, 5% means you pay the first $15,000. Each state sets its own trigger.
By the numbers: Triple-I lists 19 states and D.C. with hurricane deductibles; percentage deductibles typically run 1% to 5% of insured value. Florida law requires insurers to offer $500, 2%, 5% and 10%. Source: Triple-I; Fla. Stat. 627.701
“So if a house is insured for $300,000 and has a 5 percent deductible, the first $15,000 of a claim must be paid out of the policyholder's pocket.” — Triple-I
Updated 2026-10-18
Triple-I lists 19 states and D.C.: Alabama, Connecticut, Delaware, Florida, Georgia, Hawaii, Louisiana, Maine, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Texas and Virginia.
It's 2% of your dwelling coverage, not of the damage. With $300,000 of dwelling coverage, a 2% hurricane deductible is $6,000: you pay the first $6,000 of hurricane damage and the policy pays the rest, up to its limits.
Under Fla. Stat. 627.4025, the storm must be declared a hurricane by the National Hurricane Center. The period starts when a hurricane warning is issued for any part of Florida and ends 72 hours after the last hurricane watch or warning for Florida ends. It applies once per calendar year (627.701).
$500, 2%, 5% and 10% of dwelling limits, under Fla. Stat. 627.701(3). Homes insured for $250,000 or more don't have to be offered $500, and a deductible above 10% on a home under $500,000 needs the owner's handwritten statement.
A hurricane deductible applies only to damage from a hurricane (or a named storm, depending on the policy). A windstorm or wind/hail deductible applies to wind damage from any storm, such as a tornado or hailstorm. Texas policies use a windstorm deductible.
Tennessee isn't on Triple-I's list of hurricane-deductible states. Many Tennessee policies still have a separate wind/hail deductible, so check your declarations page.
Hurricane deductible rules for 19 states + D.C. from Triple-I's state summaries and Florida's statutes (627.701, 627.4025); read Oct. 18, 2026.
As of Oct. 18, 2026 · 19 states + D.C. · Florida from its statutes
A hurricane deductible is a percentage of your home's insured value, not of the damage. It usually runs 1% to 5%, so on $300,000 of dwelling coverage a 5% deductible means you pay the first $15,000. Nineteen states and D.C. have them; each sets what triggers it. Florida law requires insurers to offer $500, 2%, 5% and 10%.
The math:
Sources: Dollar check · By state · Sources
A best fit for the situation described, not financial advice or a buy/sell recommendation. Partner links never change a pick.
Find your dwelling coverage (Coverage A) and hurricane deductible on your declarations page.
The 19 states plus D.C. that Triple-I lists as having hurricane deductibles, read Oct. 18, 2026. Florida is from its statutes; the others are Triple-I's summaries of each state insurance department's rules. Insurers set many details, so your policy's declarations page is the final word.
| State | Deductible type | When it applies | Rules | Source |
|---|---|---|---|---|
| Alabama | Set by insurer | Not described on the state summary we read | Discounts are required for homes strengthened against wind. The Beach Plan sells wind and hail policies in coastal Baldwin and Mobile counties. | Triple-I |
| Connecticut | Hurricane | A National Weather Service-declared hurricane with winds of 74 mph or more anywhere in Connecticut; ends 24 hours after the last hurricane warning ends or the storm is downgraded | Insurers may set the deductible by a home's distance from the ocean. The FAIR Plan uses a separate 5% hurricane deductible within 2,600 feet of the shoreline. | Triple-I |
| Delaware | Hurricane | FAIR Plan: a hurricane watch or warning for any part of the state, ending 72 hours after the last one ends | Insurers must give clear notice of the trigger and how the deductible works, with an example for percentage deductibles. The FAIR Plan uses a $2,000 hurricane deductible, mandatory in some coastal ZIP codes. | Triple-I |
| District of Columbia | Set by insurer | Not described on the summary we read | The D.C. FAIR Plan covers homeowners who can't find coverage elsewhere. | Triple-I |
| Florida | Hurricane (set by state law) | A storm the National Hurricane Center declares a hurricane; starts when a hurricane warning is issued for any part of Florida and ends 72 hours after the last hurricane watch or warning for Florida ends | Insurers must offer $500, 2%, 5% and 10% of dwelling limits (some higher-value homes get different options). The deductible applies once per calendar year across hurricanes. The dollar amount must be shown on the declarations page. Above 10% on a home under $500,000 needs the owner's handwritten statement. | Fla. Stat. · Fla. Stat. |
| Georgia | Set by insurer | Not described on the summary we read | The Georgia Underwriting Association sells wind and hail coverage on the offshore islands and in certain counties. | Triple-I |
| Hawaii | Separate hurricane policy | Set by the hurricane policy | Most homeowners policies exclude hurricane; you buy hurricane coverage separately. | Triple-I |
| Louisiana | Hurricane, named storm or wind/hail | Named storm: the National Hurricane Center reports tropical-storm strength (39 mph). Hurricane: hurricane strength (74 mph). Wind/hail: wind from any source | Insurers generally can't raise a named-storm or hurricane deductible on a policy in effect more than three years, and can't charge more than one per hurricane season. | Triple-I |
| Maine | Hurricane | Starts when the National Weather Service issues a hurricane warning for a forecast zone that includes your town; ends 24 hours after the last warning for that zone ends | None noted | Triple-I |
| Maryland | Hurricane or windstorm | A hurricane warning anywhere in the state can apply the deductible statewide | Insurers must file any underwriting standard with a deductible over 5%. A premium discount is required for inspected wind-mitigation improvements. | Triple-I |
| Massachusetts | Wind/hail (FAIR Plan) | FAIR Plan: any wind damage | The FAIR Plan uses a windstorm/hail deductible for any type of wind damage. | Triple-I |
| Mississippi | Named storm or hurricane | Starts when a named storm or hurricane watch or warning is issued anywhere in the state; ends 24 hours after the last one | Policies must state the timing and give a practical example of how the deductible works. | Triple-I |
| New Jersey | Hurricane | A National Weather Service hurricane with sustained 74 mph winds measured in New Jersey; from 12 hours before the first such wind to 12 hours after the last | Homes with documented wind-resistant features can get a lower FAIR Plan hurricane deductible. | Triple-I |
| New York | Hurricane (mandatory in many coastal policies) | Varies by insurer: some use a Category 1 hurricane, others Category 2, named by the NWS or National Hurricane Center | Deductibles commonly run 1% to 5% of the insured amount. Discounts are required for storm shutters or impact-resistant windows and doors. DFS lists hurricane deductibles by company. | Triple-I |
| North Carolina | Set by insurer | Not described on the summary we read | The Coastal Property Insurance Pool sells windstorm coverage in 18 coastal counties. | Triple-I |
| Pennsylvania | Hurricane, tropical storm or named storm | Set by insurer | Some policies have a percentage deductible, typically 1% to 5% of the home's insured value. | Triple-I |
| Rhode Island | Hurricane (max 5%) | Only while a National Weather Service hurricane warning is in effect for your part of the state, plus 24 hours after the last warning | Capped at 5% of insured value; windstorm deductibles aren't allowed. Applies once per calendar year. Policies must show at least two examples. Approved mitigation must waive it where insurers require mitigation. | Triple-I |
| South Carolina | Hurricane, named storm or wind/hail | Must be clearly explained in the policy | Insurers must tell you if there's a separate deductible and show an example for a $100,000 policy. | Triple-I |
| Texas | Windstorm (any wind or hail) | Any windstorm or hail, not only named storms or hurricanes | TWIA (Texas Windstorm Insurance Association) covers wind and hail in 14 coastal counties where private coverage isn't available. | Triple-I |
| Virginia | Set by insurer | Not described on the summary we read | The Virginia FAIR Plan covers homes that can't get coverage in the regular market. | Triple-I |
The other 31 states (including Tennessee) aren't on that list. Your policy may still have a windstorm or wind/hail deductible, which applies to damage from any wind, such as tornadoes and hail. It works the same way: often a percentage of your dwelling coverage.
How we built this: on Oct. 18, 2026 we saved Triple-I's hurricane-deductible background page and Florida's statutes (627.701 and 627.4025, 2025 edition) with checksums, and our build checks that every quoted phrase behind this page appears in that saved text (60 quotes). Where Triple-I's Florida summary differs from the statute (it says the period starts with a watch or warning; the statute says a warning), we use the statute. The dollar check multiplies your dwelling coverage by the percentage and runs in your browser.
Facts, not legal advice or an insurance quote. Insurers set many trigger and deductible details within each state's rules, and laws change. Your policy's declarations page and your state insurance department are the final word. We don't sell insurance.
Triple-I lists 19 states and D.C.: Alabama, Connecticut, Delaware, Florida, Georgia, Hawaii, Louisiana, Maine, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Texas and Virginia.
It's 2% of your dwelling coverage, not of the damage. With $300,000 of dwelling coverage, a 2% hurricane deductible is $6,000: you pay the first $6,000 of hurricane damage and the policy pays the rest, up to its limits.
Under Fla. Stat. 627.4025, the storm must be declared a hurricane by the National Hurricane Center. The period starts when a hurricane warning is issued for any part of Florida and ends 72 hours after the last hurricane watch or warning for Florida ends. It applies once per calendar year (627.701).
$500, 2%, 5% and 10% of dwelling limits, under Fla. Stat. 627.701(3). Homes insured for $250,000 or more don't have to be offered $500, and a deductible above 10% on a home under $500,000 needs the owner's handwritten statement.
A hurricane deductible applies only to damage from a hurricane (or a named storm, depending on the policy). A windstorm or wind/hail deductible applies to wind damage from any storm, such as a tornado or hailstorm. Texas policies use a windstorm deductible.
Tennessee isn't on Triple-I's list of hurricane-deductible states. Many Tennessee policies still have a separate wind/hail deductible, so check your declarations page.
Facts, not insurance advice. We don't sell insurance or provide quotes; confirm coverage and requirements with the insurer, an agent or your state insurance department.
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