Florida hurricane deductible
What we found in Florida's rules, with the sources we used. Use the calculator below to see your own deductible in dollars.
When the Florida hurricane deductible applies
- When it applies
- The hurricane deductible period begins when a hurricane warning is issued for any part of Florida by the National Hurricane Center of the National Weather Service and ends 72 hours after termination of the last hurricane watch or hurricane warning issued for any part of Florida.
- Trigger
- National Weather Service hurricane warning
- How often it applies
- Once per calendar year
Sources
- Florida Statutes § 627.701 — Liability of insureds; coinsurance; deductibles, The Florida Senate. Accessed October 6, 2026.
- Florida Statutes § 627.4025 — Residential coverage and hurricane coverage defined, The Florida Senate. Accessed October 6, 2026.
- Florida Department of Financial Services — Florida's Hurricane Deductible, Florida Department of Financial Services. Accessed October 6, 2026.
Rules can change and insurers’ policies differ — your policy wording controls.
Other Florida details we checked
- Separate hurricane-type deductible
- Yes
- Called
- Hurricane deductible
- Percentages allowed
- 2%, 5%, 10%
- Percentage of
- Dwelling limit (Coverage A)
- Your options
- Insurers must generally offer hurricane deductible options of $500, 2%, 5%, and 10% of the dwelling limit, unless the specific percentage deductible would be less than $500. For dwelling limits of $250,000 or more, the insurer does not have to offer the $500 option. For dwelling limits of at least $1 million but less than $3 million, the insurer may offer 3% instead of 2%. For dwelling limits of $3 million or more, the insurer does not have to offer the 2% option; taking the other applicable exceptions together, the required percentage options are generally 5% and 10%.
- Notes
- For a personal-lines residential property risk valued below $500,000, a hurricane deductible above 10% of the dwelling limit requires the policyholder's specific written election. If the property is subject to a mortgage or lien, written approval from the mortgageholder or lienholder is also required. When a hurricane deductible applies to a loss, another deductible under the policy is not applied to that same loss. See Fla. Stat. § 627.701 for the complete requirements and exceptions.
Worked example for Florida
What each percentage allowed in Florida would come to on a $350,000 dwelling limit (Coverage A). Your own limit is on your policy's declarations page.
| 2% of the dwelling limit | $7,000.00 |
|---|---|
| 5% of the dwelling limit | $17,500.00 |
| 10% of the dwelling limit | $35,000.00 |
Estimate based on the numbers you entered; your policy wording controls.
Work out your Florida hurricane deductible
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Your hurricane deductible
- Hurricane deductible
A percentage deductible is that percentage of your dwelling limit (Coverage A), not of the damage. A flat deductible is the dollar amount you entered.
- Estimated dwelling payout
Your estimated damage (up to the dwelling limit) minus the hurricane deductible, never below $0. Your policy may pay this for damage to the house itself.
- Extra out of pocket vs. your regular deductible
How much more you would pay yourself on a hurricane claim than on a claim under your regular (all-perils) deductible, never below $0.
Estimate based on the numbers you entered; your policy wording controls.
Compare deductible options
The same dwelling limit at 1%, 2%, 5% and 10%. If your insurer quoted a yearly premium for an option, you can type it in to see the options side by side — this site never estimates premiums.
Enter your dwelling limit to fill in this table.
| Deductible | In dollars | Estimated payout at your damage | Yearly premium you were quoted (optional) |
|---|---|---|---|
| 1% (your deductible) | — | — | |
| 2% (your deductible) | — | — | |
| 5% (your deductible) | — | — | |
| 10% (your deductible) | — | — |
More
- Hurricane deductibles in every state
- Hurricane deductible calculator
- Once you have an adjuster's estimate, the recoverable depreciation calculator shows what your payments should be.