Hurricane deductibles are a percentage of your home's insured value — not a flat dollar amount. On a $400,000 home with a 5% deductible, you'd pay $20,000 out of pocket before insurance covers anything.
Enter your home value and deductible percentage below to see your exact exposure.
Common deductibles in FL: 2%, 5%, 10% · Trigger: Named storm (NHC designation)
Not sure? Check your policy's Declarations page under "Hurricane Deductible" or "Named Storm Deductible."
Used to show how much more you'd pay vs. a standard claim.
Hurricane Deductible
$7,000
2% of $350,000
Standard Deductible
$1,000
For non-hurricane claims
Additional Exposure
+$6,000
vs. standard claim
If a hurricane causes $57,000 in wind damage to your home, you would pay the first $7,000 out of pocket. Your insurer would cover the remaining $50,000 (minus any applicable limits or exclusions).
Florida requires hurricane deductibles for all coastal policies. Citizens Insurance uses 2% minimum.
Deductible trigger: Named storm (NHC designation)
This calculator is for educational purposes only. Actual deductible amounts depend on your specific policy terms. Always verify your deductible on your policy's Declarations page or by contacting your insurer directly.