{
  "slug": "hurricane-deductible-calculator",
  "title": "Hurricane Deductible Calculator",
  "heading": "Hurricane Deductible Calculator",
  "category": "financial",
  "url": "https://www.revenuelab.fyi/toolbox/hurricane-deductible-calculator",
  "summary": "Convert a percentage-based hurricane deductible into actual dollars owed.",
  "description": "Coastal and Gulf state homeowners policies commonly carry a separate hurricane (or named storm) deductible expressed as a percentage of the dwelling's insured value, typically 1-5%, rather than a flat dollar amount like standard perils. This structure means the deductible scales with your coverage amount and can be a genuine financial shock — a 2% deductible on a $400,000 dwelling coverage limit is $8,000 out of pocket before insurance pays a cent, dramatically more than the $1,000-$2,500 flat deductible on the same policy's other perils. This calculator converts your percentage deductible into dollars and compares it against your standard all-other-perils deductible so you know exactly what a hurricane claim costs you upfront versus a regular wind or fire claim.",
  "formula": "Hurricane deductible ($) = dwelling coverage limit × hurricane deductible %; savings needed = hurricane deductible − standard deductible.",
  "dateModified": "2026-09-30",
  "run_url": "https://www.revenuelab.fyi/api/public/calc?tool=hurricane-deductible-calculator",
  "inputs": [
    {
      "id": "dwellingCoverage",
      "label": "Dwelling coverage (Coverage A)",
      "kind": "number",
      "hint": null,
      "default": 400000,
      "unit": "$",
      "min": 50000,
      "max": null
    },
    {
      "id": "hurricanePct",
      "label": "Hurricane deductible",
      "kind": "number",
      "hint": null,
      "default": 2,
      "unit": "%",
      "min": 1,
      "max": 10
    },
    {
      "id": "standardDeductible",
      "label": "Standard (all-other-perils) deductible",
      "kind": "number",
      "hint": null,
      "default": 1500,
      "unit": "$",
      "min": 250,
      "max": null
    },
    {
      "id": "claimEstimate",
      "label": "Estimated hurricane damage",
      "kind": "number",
      "hint": null,
      "default": 50000,
      "unit": "$",
      "min": 0,
      "max": null
    }
  ],
  "outputs": [
    {
      "id": "hurricaneDed",
      "label": "Hurricane deductible owed",
      "format": "currency",
      "hint": null,
      "primary": true
    },
    {
      "id": "extraExposure",
      "label": "Extra vs. standard deductible",
      "format": "currency",
      "hint": null,
      "primary": false
    },
    {
      "id": "payout",
      "label": "Insurance payout on this claim",
      "format": "currency",
      "hint": null,
      "primary": false
    },
    {
      "id": "standardDed",
      "label": "Standard deductible (for reference)",
      "format": "currency",
      "hint": null,
      "primary": false
    }
  ],
  "worked_example": {
    "inputs": [
      "Dwelling coverage (Coverage A): 400000 $",
      "Hurricane deductible: 2 %",
      "Standard (all-other-perils) deductible: 1500 $",
      "Estimated hurricane damage: 50000 $"
    ],
    "outputs": [
      "Hurricane deductible owed: $8,000",
      "Extra vs. standard deductible: $6,500",
      "Insurance payout on this claim: $42,000",
      "Standard deductible (for reference): $1,500"
    ]
  },
  "how_to": {
    "title": "How to use this",
    "steps": [
      "Enter dwelling coverage (coverage a) ($).",
      "Enter hurricane deductible (%).",
      "Enter standard (all-other-perils) deductible ($).",
      "Enter estimated hurricane damage ($).",
      "Read your hurricane deductible owed on the right — it updates as you type.",
      "Hit Share to keep the scenario or send it to someone."
    ]
  },
  "scenarios": [
    {
      "name": "Conservative",
      "description": "Lower-end numbers — what if things land soft?",
      "values": {
        "dwellingCoverage": 240000,
        "hurricanePct": 1.2,
        "standardDeductible": 1000,
        "claimEstimate": 30000
      }
    },
    {
      "name": "Typical",
      "description": "Defaults — the most common real-world setup.",
      "values": {
        "dwellingCoverage": 400000,
        "hurricanePct": 2,
        "standardDeductible": 1500,
        "claimEstimate": 50000
      }
    },
    {
      "name": "Ambitious",
      "description": "Higher-end numbers — what if things really pop?",
      "values": {
        "dwellingCoverage": 640000,
        "hurricanePct": 3.2,
        "standardDeductible": 2500,
        "claimEstimate": 80000
      }
    }
  ],
  "limitations": [
    "Results are estimates before tax, fees, and inflation unless an input explicitly covers them.",
    "Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.",
    "This is educational maths, not financial advice. Check anything contractual with the lender or your accountant."
  ],
  "faq": [
    {
      "q": "What triggers a hurricane deductible instead of the standard one?",
      "a": "It depends on your policy and state — some trigger only when the National Hurricane Center names and tracks the storm through your area, others trigger based on sustained wind speed thresholds (often 74+ mph) regardless of official naming. Read the declarations page trigger language carefully."
    },
    {
      "q": "Can I choose a lower hurricane deductible percentage?",
      "a": "Often yes, insurers in coastal states typically offer a range like 1%, 2%, or 5%, with lower percentages costing more in annual premium. Run the math on your specific coverage amount, since the dollar gap between 1% and 5% on a $500,000 home is $20,000."
    },
    {
      "q": "Does the hurricane deductible apply per storm or per year?",
      "a": "Almost always per storm/per named event, not annually, so if two hurricanes hit your area in the same season you could pay the full percentage deductible twice, unlike an annual aggregate deductible structure."
    },
    {
      "q": "Is the hurricane deductible based on my coverage limit or the actual damage amount?",
      "a": "It's based on your dwelling coverage limit (Coverage A face value), not the damage amount or home's market value. That means the deductible dollar amount is fixed at policy issuance regardless of how large or small the actual claim turns out to be."
    }
  ],
  "related": [
    "https://www.revenuelab.fyi/toolbox/flood-depth-damage-cost",
    "https://www.revenuelab.fyi/toolbox/wind-pressure-on-wall"
  ],
  "license": "CC-BY-4.0",
  "citation": "RevenueLab — Hurricane Deductible Calculator (https://www.revenuelab.fyi/toolbox/hurricane-deductible-calculator)"
}