Deductibles · Florida
Florida named storm & hurricane deductibles.
Nearly every Florida homeowners policy has a separate deductible for named storms. It's calculated as a percentage of your dwelling coverage — and in a bad season, it's the single biggest line item between you and a rebuild.
TL;DR
Florida hurricane deductibles are capped by statute at 2%, 5%, or 10% of Coverage A. On a $400,000 home, that's $8,000–$40,000 out of pocket before the carrier pays. The deductible applies from the moment a watch is issued until 72 hours after it ends.
Real-dollar exposure by dwelling limit
| Dwelling (Coverage A) | 2% | 5% | 10% |
|---|---|---|---|
| $300,000 | $6,000 | $15,000 | $30,000 |
| $500,000 | $10,000 | $25,000 | $50,000 |
| $750,000 | $15,000 | $37,500 | $75,000 |
| $1,000,000 | $20,000 | $50,000 | $100,000 |
Named storm vs hurricane trigger
The trigger language on your declarations page determines whether your higher deductible applies. A "named storm" deductible activates as soon as NHC names the storm — even a weak tropical storm. A "hurricane" deductible only applies once it's been classified as a hurricane. The cost difference between the two can decide whether you can afford to rebuild after a borderline storm.
Find your exact named-storm exposure
Upload your Florida declarations page — we'll pull the deductible percentage, the trigger language, and your dollar exposure across storm categories.
Frequently asked
What's the difference between a hurricane deductible and a named storm deductible in Florida?
A hurricane deductible only triggers once the NWS officially declares a hurricane. A named storm deductible triggers earlier — as soon as the storm is named (tropical storm strength). In Florida, most carriers use the broader named-storm trigger, so your higher deductible can apply to a tropical storm that never reaches hurricane status.
What is a typical Florida hurricane deductible?
Florida statute caps hurricane deductibles at 2%, 5%, or 10% of dwelling coverage. Citizens Property Insurance and many private carriers default to 2% in inland counties and 5% along the coast. On a $400,000 home, that's $8,000 to $20,000 out of pocket per named storm.
How long does the named storm deductible apply after the storm passes?
Florida law applies the hurricane deductible to damage occurring from when a hurricane watch or warning is issued anywhere in Florida until 72 hours after the watch/warning ends. Damage outside that window falls under your standard AOP deductible — even from the same storm system.
Is the Florida hurricane deductible annual or per-storm?
Per calendar year for most carriers (one hurricane deductible regardless of how many storms hit). A handful of policies apply it per event. Always check your dec page for 'per occurrence' vs 'per calendar year' language — the difference is tens of thousands of dollars in a bad season.
Keep reading
Wind & Hail Deductibles Explained
Percentage deductibles cost more than most homeowners realize.
Read moreDeductiblesHurricane Deductibles Explained
Named-storm deductibles in FL, TX, and the Gulf.
Read moreDeductiblesPercentage vs Flat Deductible
Side-by-side: what each costs at common dwelling limits.
Read more CalculatorHail Deductible Calculator
Calculate your out-of-pocket exposure per storm.
Try the calculatorGeneral information, not legal or financial advice. Florida hurricane deductible rules (§627.701) are subject to change; verify with your carrier and the Florida Office of Insurance Regulation.