Rex says
Money math without the spreadsheet headache. Plug in your numbers and I'll show you exactly where the dollars land.
Try a scenario
Click to load — tweak from there.Inputs
Result
Hurricane deductible owed
$8,000
Extra vs. standard deductible
$6,500
Insurance payout on this claim
$42,000
Standard deductible (for reference)
$1,500
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How to use this
- 1Enter dwelling coverage (coverage a) ($).
- 2Enter hurricane deductible (%).
- 3Enter standard (all-other-perils) deductible ($).
- 4Enter estimated hurricane damage ($).
- 5Read your hurricane deductible owed on the right — it updates as you type.
- 6Hit Share to keep the scenario or send it to someone.
About this calculator
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.
Worked example
Using the values the calculator loads with:
Inputs
- Dwelling coverage (Coverage A): 400000 $
- Hurricane deductible: 2 %
- Standard (all-other-perils) deductible: 1500 $
- Estimated hurricane damage: 50000 $
Results
- Hurricane deductible owed: $8,000
- Extra vs. standard deductible: $6,500
- Insurance payout on this claim: $42,000
- Standard deductible (for reference): $1,500
What each field means
Inputs
- Dwelling coverage (Coverage A) ($)
- The dwelling coverage (coverage a) used in the calculation, measured in $. Starts at 400000 $ so you have a working example on load.
- Hurricane deductible (%)
- The hurricane deductible used in the calculation, measured in %. Starts at 2 % so you have a working example on load. Accepted range: 1–10 %.
- Standard (all-other-perils) deductible ($)
- The standard (all-other-perils) deductible used in the calculation, measured in $. Starts at 1500 $ so you have a working example on load.
- Estimated hurricane damage ($)
- The estimated hurricane damage used in the calculation, measured in $. Starts at 50000 $ so you have a working example on load.
Results
- Hurricane deductible owed
- Returned as a money amount in US dollars and shown as the headline result. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Extra vs. standard deductible
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Insurance payout on this claim
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Standard deductible (for reference)
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
FAQ
What triggers a hurricane deductible instead of the standard one?
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.
Can I choose a lower hurricane deductible percentage?
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.
Does the hurricane deductible apply per storm or per year?
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.
Is the hurricane deductible based on my coverage limit or the actual damage amount?
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.
Accuracy and 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.
Related tools
Cite this calculator
Writing about this topic? Grab a citation — every link helps keep these tools free.
RevenueLab. (2026). Hurricane Deductible Calculator. Retrieved from https://www.revenuelab.fyi/toolbox/hurricane-deductible-calculator
<p>Source: <a href="https://www.revenuelab.fyi/toolbox/hurricane-deductible-calculator" target="_blank" rel="noopener">Hurricane Deductible Calculator — RevenueLab</a> (2026).</p>
Source: [Hurricane Deductible Calculator — RevenueLab](https://www.revenuelab.fyi/toolbox/hurricane-deductible-calculator) (2026).