Hurricane deductible rules by state
A hurricane deductible is often a percentage of your dwelling limit rather than a flat amount. This table shows what we have checked so far. We only publish a state's rule once we have read the source ourselves.
Researched so far: 1 of 51. States we have not reached yet are listed here and still link to a page where the calculator works with your own numbers.
All 51 jurisdictions
| State | Separate hurricane-type deductible | How often it applies | Status |
|---|---|---|---|
| Alabama | Not checked | Not checked | Not researched yet |
| Alaska | Not checked | Not checked | Not researched yet |
| Arizona | Not checked | Not checked | Not researched yet |
| Arkansas | Not checked | Not checked | Not researched yet |
| California | Not checked | Not checked | Not researched yet |
| Colorado | Not checked | Not checked | Not researched yet |
| Connecticut | Not checked | Not checked | Not researched yet |
| Delaware | Not checked | Not checked | Not researched yet |
| District of Columbia | Not checked | Not checked | Not researched yet |
| Florida | Yes | Per year | Verified October 6, 2026 |
| Georgia | Not checked | Not checked | Not researched yet |
| Hawaii | Not checked | Not checked | Not researched yet |
| Idaho | Not checked | Not checked | Not researched yet |
| Illinois | Not checked | Not checked | Not researched yet |
| Indiana | Not checked | Not checked | Not researched yet |
| Iowa | Not checked | Not checked | Not researched yet |
| Kansas | Not checked | Not checked | Not researched yet |
| Kentucky | Not checked | Not checked | Not researched yet |
| Louisiana | Not checked | Not checked | Not researched yet |
| Maine | Not checked | Not checked | Not researched yet |
| Maryland | Not checked | Not checked | Not researched yet |
| Massachusetts | Not checked | Not checked | Not researched yet |
| Michigan | Not checked | Not checked | Not researched yet |
| Minnesota | Not checked | Not checked | Not researched yet |
| Mississippi | Not checked | Not checked | Not researched yet |
| Missouri | Not checked | Not checked | Not researched yet |
| Montana | Not checked | Not checked | Not researched yet |
| Nebraska | Not checked | Not checked | Not researched yet |
| Nevada | Not checked | Not checked | Not researched yet |
| New Hampshire | Not checked | Not checked | Not researched yet |
| New Jersey | Not checked | Not checked | Not researched yet |
| New Mexico | Not checked | Not checked | Not researched yet |
| New York | Not checked | Not checked | Not researched yet |
| North Carolina | Not checked | Not checked | Not researched yet |
| North Dakota | Not checked | Not checked | Not researched yet |
| Ohio | Not checked | Not checked | Not researched yet |
| Oklahoma | Not checked | Not checked | Not researched yet |
| Oregon | Not checked | Not checked | Not researched yet |
| Pennsylvania | Not checked | Not checked | Not researched yet |
| Rhode Island | Not checked | Not checked | Not researched yet |
| South Carolina | Not checked | Not checked | Not researched yet |
| South Dakota | Not checked | Not checked | Not researched yet |
| Tennessee | Not checked | Not checked | Not researched yet |
| Texas | Not checked | Not checked | Not researched yet |
| Utah | Not checked | Not checked | Not researched yet |
| Vermont | Not checked | Not checked | Not researched yet |
| Virginia | Not checked | Not checked | Not researched yet |
| Washington | Not checked | Not checked | Not researched yet |
| West Virginia | Not checked | Not checked | Not researched yet |
| Wisconsin | Not checked | Not checked | Not researched yet |
| Wyoming | Not checked | Not checked | Not researched yet |
"Not researched yet" means we have not checked that state, not that it has no hurricane deductible.