Florida Hurricane Deductible Calculator
Turn your hurricane deductible percentage into dollars, see what you'd pay on a claim, and check what a second storm in the same year would cost.
Quick answer
A Florida hurricane deductible is usually a percentage of your dwelling limit (Coverage A), not of the damage. With a $300,000 dwelling limit, 2% is $6,000, 5% is $15,000 and 10% is $30,000. Insurers must offer $500, 2%, 5% and 10% options, with exceptions by home value (section 627.701, Florida Statutes). The deductible applies once per calendar year with the same insurer.
Hurricane deductible questions
Is the hurricane deductible a percentage of the damage?
No. It's a percentage of your dwelling limit, Coverage A on your declarations page. A 2% deductible on a $300,000 dwelling limit is $6,000 whether the damage is $8,000 or $80,000.
What happens if a second hurricane hits in the same year?
Under section 627.701(5), the hurricane deductible applies once per calendar year across policies from the same insurer or insurer group. For a later hurricane, the insurer may apply the greater of what's left of your hurricane deductible or your all-other-perils deductible. Insurers may require you to report smaller hurricane losses or keep receipts to count them, so keep records even when damage is under the deductible.
Should I choose a higher hurricane deductible to lower my premium?
A higher deductible lowers the premium, but you need to be able to pay it after a storm. Compare the premium difference with the dollar amount of each option above. An agent can quote the options side by side for your home.
Source: Section 627.701, Florida Statutes (opens in a new tab); section 627.4025 (opens in a new tab). Checked October 2026.