Hurricane Windstorm Deductible Calculator
See how a 2% or 5% named windstorm deductible translates to real cash out-of-pocket before you close — and whether your emergency fund can absorb a major storm.
Windstorm deductible out-of-pocket
Coastal policies often use a percentage hurricane deductible — not a flat $1,000–$2,500.
75/100
Est. deductible
4.25%
You pay first
$21,250
Emergency fund target
$31,875
On a $500,000 home, a 4.25% windstorm deductible means $21,250 out-of-pocket before the carrier pays on a hurricane wind claim — vs. roughly $2,500 if you assumed a flat deductible.
Hurricane deductibles are typically 2%–5% of Coverage A. Wind mitigation (OIR-B1-1802) can reduce the wind portion.
Directional estimate only — verify declarations page before closing. Hurricane insurance guide
A 5% hurricane deductible can mean $25,000 out-of-pocket before coverage kicks in. Cross-check lender requirements and address-level wind exposure before you close. Get address snapshot — $19