Florida Hurricane Deductible Calculator
Florida hurricane deductibles are a percentage of your dwelling coverage (Coverage A) — not a percentage of the damage, and not a flat fee. Enter your Coverage A limit below, pick your deductible, and see the exact amount you'd pay out of pocket before your policy pays a dollar.
Your hurricane deductible in dollars
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Enter your Coverage A limit above to see your number.
Compare all four options
| Deductible option | You'd pay out of pocket |
|---|---|
| $500 flat | — |
| 2% of Coverage A | — |
| 5% of Coverage A | — |
| 10% of Coverage A | — |
A lower deductible costs more in premium; a higher one shifts risk to you. The right question is whether you could write the check the week after a storm.
How to read your result
The deductible comes off the top of a hurricane claim. If you have $40,000 in wind damage and a $12,000 hurricane deductible, your policy pays $28,000. If the damage comes in below your deductible — a few thousand dollars of shingles and pool screen — the claim pays nothing at all. That's why knowing this number matters more than knowing your premium.
Three things the calculator can't tell you
- When the deductible applies. Only to damage from a named hurricane, from the moment a hurricane watch or warning is issued in Florida until 72 hours after the last one ends. A no-name windstorm falls under your smaller all-other-perils deductible instead. Full details in our hurricane deductible guide.
- The once-per-season rule. Florida applies the hurricane deductible per calendar year, not per storm. A second hurricane in the same season generally costs you the greater of your remaining hurricane deductible or your all-other-perils deductible.
- Wind vs. water. This deductible governs wind damage only. Storm surge and rising water are a flood insurance question — no homeowners deductible option changes that.
Don't like your number? You can only change your hurricane deductible while the market is open — insurers freeze all changes the moment a named storm approaches Florida. If the figure above would go on a credit card, the time to fix it is now. A wind mitigation inspection can also lower your premium without raising your exposure.
Want your deductible options priced side by side?
We'll pull your declarations page and quote the $500, 2%, 5%, and 10% options with real premiums — so you can pick with both numbers in front of you. No obligation.
This tool is for general education, not insurance advice. Deductibles, triggers, and application rules are governed by your policy terms; some carriers and policy forms differ. See our Disclaimers and Editorial Policy.