2026 Calculator
Hurricane Insurance Calculator
Estimate your windstorm coverage costs
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This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
FAQ
How much does hurricane insurance cost in Florida (2026)?
Florida hurricane insurance costs $4,000-$10,000+ per year depending on location, home value, and proximity to coast. Beachfront homes pay the highest rates. Many Floridians use Citizens Insurance as a 'last resort' insurer.
What is a hurricane/windstorm deductible?
Hurricane deductibles are typically 2-10% of your dwelling coverage, NOT a flat dollar amount. On a $400,000 home with a 5% deductible, you pay the first $20,000 of hurricane damage before insurance pays.
Does homeowners insurance cover hurricane damage?
Standard homeowners covers some wind damage, but in coastal states you often need separate windstorm/hurricane coverage or a policy from state plans like Citizens (FL) or TWIA (TX). Flood damage requires separate NFIP flood insurance.