Georgia's Golden Isles and Savannah metro face hurricane risk from Atlantic storms. Hurricane Matthew (2016) and Dorian (2019) both caused significant damage. Know your deductible before season opens.
Affiliate disclosure: We may earn a commission if you purchase through these links, at no cost to you.
Pre-loaded with Georgia rules
Chatham County: 1–3% deductible. Savannah metro area. Matthew (2016) caused significant flooding. Tybee Island faces extreme surge risk.
Standard for barrier island properties
Your Out-of-Pocket Exposure
$5,600
2% of $280,000 insured value
Significant exposure. Consider a dedicated hurricane savings account.
The Georgia Underwriting Association provides windstorm coverage for coastal Georgia homeowners who cannot obtain coverage in the private market. Chatham and Bryan counties are the primary coverage areas.
Georgia's barrier islands and coastal marshes are vulnerable to storm surge. Your hurricane deductible covers wind only — flood requires a separate NFIP or private flood policy.
Sponsored links. We may earn a commission at no cost to you.
Georgia's Golden Isles and Savannah metro face Atlantic hurricane risk. Matthew and Dorian both demonstrated the coastal exposure here.
Hurricane deductibles apply when the NWS issues a hurricane watch or warning for your area. Tropical storms use your standard deductible.
Matthew (2016) and Dorian (2019) both caused significant damage to Georgia's coast. Dorian stalled offshore and caused days of surge flooding.
Georgia's barrier islands are highly vulnerable to surge flooding. Your hurricane deductible covers wind only — flood requires a separate NFIP or private flood policy.
If private carriers won't cover your coastal GA home, the Georgia Underwriting Association (GUA) is the insurer of last resort.
| Region | Areas | Typical Deductible | Notes |
|---|---|---|---|
| Coastal Barrier Islands | Glynn, Camden, Chatham | 1–3% | Direct Atlantic exposure |
| Savannah Metro | Chatham, Bryan, Effingham | 1–2% | Surge/flood risk |
| South Georgia Coast | Brantley, Ware, Pierce | 1% | Inland wind risk |
| Metro Atlanta | Fulton, DeKalb, Gwinnett | 1% | Minimal hurricane risk |
The 2026 Atlantic hurricane season opens June 1. Compare insurance quotes now — before a named storm forms and carriers stop writing new policies.
Affiliate disclosure: We may earn a commission at no cost to you. This calculator is for informational purposes only — not insurance advice.