Deductibles · Carrier guide
State Farm wind & hail deductibles, explained.
State Farm carries a separate deductible for any wind or hail claim in most states. In hail-prone areas, it's a percentage of your dwelling coverage — and it's often the most consequential number on your policy.
Real example: $25,000 hail roof, State Farm
| Roof replacement cost | $25,000 |
| Wind/hail deductible (2% of $500k Coverage A) | −$10,000 |
| Depreciation if on ACV (12-yr roof, ~40%) | −$6,000 |
| First State Farm check | $9,000 |
On RCV, the depreciation comes back after the roof is built — but the $10,000 deductible never does.
Confirm your State Farm wind/hail deductible
Upload your State Farm dec page — we'll pull the deductible percentage, calculate the dollar amount, and tell you whether you can drop it.
Frequently asked
Does State Farm use percentage wind/hail deductibles?
In most hail-belt states, yes. State Farm policies in Colorado, Texas, Oklahoma, Kansas, Nebraska, and parts of the Midwest typically default to a 1% or 2% wind/hail deductible. Outside those states, flat dollar wind/hail deductibles ($1,000–$2,500) are still common.
How is State Farm's wind/hail deductible calculated?
As a percentage of your Coverage A dwelling limit, not the claim amount. On a $400,000 State Farm policy with a 2% wind/hail deductible, you'd owe $8,000 out of pocket before State Farm pays anything on a hail claim — regardless of whether the damage is $9,000 or $90,000.
Can I lower my State Farm wind/hail deductible?
Sometimes. In low-risk zip codes you can often move from 2% to 1% (or back to a flat deductible) with a small premium increase. In high-risk hail zip codes — most of the Colorado Front Range and North Texas — State Farm requires a minimum percentage deductible and won't let you go below it.
Where is my State Farm wind/hail deductible on my declarations page?
Under the 'Deductibles' section on page 1 of the dec page. State Farm typically lists 'Section I Deductible' (your AOP flat amount) and a separate 'Wind/Hail Deductible' line showing either a flat dollar amount or a percentage. Multiply the percentage by your Coverage A limit to get your real out-of-pocket.
Keep reading
Wind & Hail Deductibles Explained
Percentage deductibles cost more than most homeowners realize.
Read moreDeductiblesPercentage vs Flat Deductible
Side-by-side: what each costs at common dwelling limits.
Read moreDeductiblesFlorida Named Storm Deductible
2%, 5%, 10% — what triggers it and what it costs in dollars.
Read more CalculatorHail Deductible Calculator
Calculate your out-of-pocket exposure per storm.
Try the calculatorGeneral information, not legal or financial advice. RateMyPolicy is not affiliated with or endorsed by State Farm. Deductible structures vary by state, county, and underwriting year.