Florida Hurricane Deductible Calculator

A Florida hurricane deductible is a percentage of your dwelling limit: 2% of a $400,000 home is $8,000 you pay before the policy responds to a hurricane claim. This free calculator turns the $500, 2%, 5% and 10% options Florida law makes insurers offer into dollars, shows what a storm claim pays, and applies the calendar-year second-storm rule.

Free Florida hurricane deductible calculator: see your $500, 2%, 5% or 10% deductible in dollars, what you pay on a storm claim and the second-storm rule.

Figures reviewed against Florida Statutes and carrier bulletins on October 22, 2026.

How to use the Florida hurricane deductible calculator

Five steps from the dwelling limit on your declarations page to the dollar deductible, the claim split, the second-storm rule and a break-even test on a higher deductible.

  1. Enter your dwelling limit. Coverage A on the declarations page. For an HO-6 condo policy it is the walls-in limit; the percentage is applied to that number, not to the size of the claim.
  2. Pick the hurricane deductible. $500, 2%, 5% or 10% of the dwelling limit, the four options Florida Statute 627.701(3)(a) makes insurers offer on personal lines residential policies, or type another percentage from your quote.
  3. Add your all-other-perils deductible and an example storm loss. The non-hurricane deductible decides what applies to a second hurricane in the same year; the example loss shows the split between you and the policy.
  4. Read the dollar deductible, the claim split and the second-storm rule. The calculator converts the percentage to dollars, shows what a claim pays after the deductible, applies the calendar-year rule of Florida Statute 627.701(5)(a) to a second hurricane, and lists the offer rules that apply at your limit.
  5. Test a higher deductible with your own quotes. Enter the premium at your current deductible and the premium quoted at a higher one. The tool shows the yearly savings, the extra you would pay in a storm and how many years of savings cover one claim.

Frequently Asked Questions

How is a hurricane deductible calculated in Florida?

It is a percentage of the dwelling limit (Coverage A), not of the loss, so a 2% deductible on a $400,000 limit is $8,000 and a 5% deductible is $20,000, whether the claim is $15,000 or a total loss. Florida Statute 627.701(4)(b) requires the insurer to compute and print the actual dollar value on the declarations page, and the calculator above does the same arithmetic for any limit and any percentage.

What hurricane deductible options does Florida law require?

Before issuing a personal lines residential policy, the insurer must offer hurricane deductibles of $500, 2%, 5% and 10% of the dwelling limit and must say which one applies if you do not choose (Florida Statute 627.701(3)(a)). At dwelling limits of $250,000 or more the $500 option need not be offered; between $1 million and $3 million the insurer may offer 3% instead of 2%; at $3 million or more the 2% option need not be offered (627.701(3)(d)).

When does the hurricane deductible apply instead of my regular deductible?

When the loss is caused by windstorm during a hurricane as Florida Statute 627.4025 defines it: a storm the National Hurricane Center has declared a hurricane, from the moment a hurricane warning is issued for any part of Florida until 72 hours after the last hurricane watch or warning for any part of Florida ends. It includes rain damage inside the home when wind first opens the building. Wind damage outside that window falls under the policy's other deductible.

What happens if two hurricanes hit in the same year?

For policies issued or renewed since May 1, 2005, the hurricane deductible applies once per calendar year to all hurricane losses under policies from the same insurer or insurer group (Florida Statute 627.701(5)(a)). After a first hurricane loss, the insurer may apply to the next hurricane only the greater of the remaining hurricane deductible or the all-other-perils deductible. Insurers may require you to report losses below the deductible and keep receipts, which is why the calculator asks for an example first loss.

Is a higher hurricane deductible worth it?

Only if the yearly savings are large relative to the extra amount you would pay in a storm, and only if you could actually fund that amount the week after a hurricane. Enter your current premium and a quoted premium at the higher deductible: the calculator shows the savings, the added exposure and the years of savings it takes to cover one claim. Florida Statute 627.701(6)(a) records the Legislature's intent to encourage higher deductibles for owners who have made adequate provision to restore the property, which is the test to apply to yourself.

Can my hurricane deductible be more than 10%?

On a home valued under $500,000, only if you personally write or type and sign a statement that you do not want the insurance to pay for the first specified dollar amount of hurricane damage, every other named insured signs it, and, if there is a mortgage, the lender approves in writing (Florida Statute 627.701(4)(d)). The election then runs for the policy term and each renewal, and a change in the percentage takes effect only at renewal.

Does wind mitigation lower the hurricane deductible?

It can. Florida Statute 627.701(9) requires the insurer to give a policyholder who has taken appropriate hurricane mitigation measures the choice between a reduction in the hurricane deductible and the mitigation discount under Florida Statute 627.0629. Ask which option the carrier offers on your policy if a lower out-of-pocket number matters more to you than the premium.

Does a roof deductible apply to hurricane roof damage?

No. Where a policy carries a separate roof deductible, it may not exceed the lesser of 2% of Coverage A or half the cost to replace the roof, and it does not apply to a roof loss caused by a hurricane, to a total loss, to a roof punctured by a falling tree, or to repairs of less than half the roof (Florida Statute 627.701(10)). Hurricane roof damage falls under the hurricane deductible instead, and you can reject a roof deductible by signing the approved form.

How does the hurricane deductible work on a condo (HO-6)?

Your HO-6 policy has its own hurricane deductible measured against its walls-in Coverage A, which is what this calculator prices. The association's master policy carries a separate and usually much larger hurricane deductible, commonly 2% to 10% of the building limit, and the board collects each owner's share of it as a special assessment; the condo special assessment calculator sizes that share and shows what HO-6 loss assessment coverage pays toward it.

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