Florida has the most complex hurricane deductible rules in the US — and the highest out-of-pocket exposure. Enter your home value and county to see exactly what you'd pay after a storm.
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Pre-loaded with Florida rules
Miami-Dade requires a minimum 2% hurricane deductible for all policies. High-velocity hurricane zone (HVHZ) rules apply — building codes are stricter.
Most common — required in high-risk coastal zones
Your Out-of-Pocket Exposure
$7,000
2% of $350,000 insured value
Significant exposure. Consider a dedicated hurricane savings account.
If you have Citizens Insurance (Florida's insurer of last resort), your hurricane deductible is typically 2–3% of your dwelling coverage — not the purchase price. Citizens is currently pushing policyholders to private carriers via "takeout" programs.
Your hurricane deductible covers wind damage only. Flood damage from storm surge requires a separate flood insurance policy — either through NFIP or a private carrier like Neptune Flood.
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Florida law requires a separate hurricane deductible on all homeowners policies — distinct from your standard "all-perils" deductible. Here's what every Florida homeowner needs to know.
Unlike a standard $1,000 deductible, Florida hurricane deductibles are expressed as a percentage of your dwelling coverage — typically 2–5%. On a $400,000 home, a 2% deductible means $8,000 out of pocket before insurance pays anything.
The hurricane deductible only triggers when the National Hurricane Center officially names a storm. Tropical storms, nor'easters, and severe thunderstorms use your standard deductible instead.
Miami-Dade and Broward counties are in Florida's High Velocity Hurricane Zone (HVHZ). Stricter building codes and higher minimum deductibles apply. Most private carriers require at least 2% here.
Citizens Property Insurance (the state-backed insurer of last resort) has its own deductible schedule. Many policyholders are being moved to private carriers through Citizens' 'takeout' program — your deductible may change.
| Region | Counties | Typical Deductible | Private Market |
|---|---|---|---|
| South Florida (HVHZ) | Miami-Dade, Broward | 2–5% | Very Limited |
| Southwest Florida | Collier, Lee, Charlotte | 2–5% | Limited (post-Ian) |
| Tampa Bay | Hillsborough, Pinellas, Manatee | 2–3% | Moderate |
| Space Coast / Treasure Coast | Brevard, Indian River, St. Lucie | 2–3% | Moderate |
| Northeast Florida | Duval, St. Johns, Flagler | 1–2% | Good |
| Panhandle | Escambia, Santa Rosa, Bay | 2–5% | Moderate |
| Florida Keys | Monroe | 5–10% | Very Limited |
The 2026 Atlantic hurricane season opens June 1. Compare insurance quotes now — before a named storm forms and carriers stop writing new policies.
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