Deductibles · Texas
Texas wind & hail deductibles, in real dollars.
Texas is the #1 state for insured hail losses. Carriers responded by moving almost every Texas homeowner from a flat deductible to a percentage wind/hail deductible. Here's the math on your specific dwelling limit.
TL;DR
In DFW, San Antonio, and the Hill Country, expect a 1%–2% wind/hail deductible by default — sometimes 5% on older roofs or repeat-claim properties. The deductible is calculated on Coverage A (dwelling), not the claim. A $25,000 hail roof on a $500,000 home with a 2% deductible nets you $15,000 before depreciation.
What your Texas wind/hail deductible costs
| Dwelling (Coverage A) | 1% | 2% | 5% |
|---|---|---|---|
| $300,000 | $3,000 | $6,000 | $15,000 |
| $450,000 | $4,500 | $9,000 | $22,500 |
| $600,000 | $6,000 | $12,000 | $30,000 |
| $900,000 | $9,000 | $18,000 | $45,000 |
Coastal Texas: hurricane on top of wind/hail
In Tier 1 and Tier 2 coastal counties (TWIA territory), policies often carry both a wind/hail percentage deductible AND a separate hurricane/named-storm deductible. A hurricane that also produces hail can trigger different deductibles for different parts of the same claim — read your dec page line by line.
What's your Texas deductible actually worth?
Upload your Texas dec page — we'll pull the wind/hail percentage, the hurricane deductible (if coastal), and translate both into dollars.
Frequently asked
What is a typical Texas wind/hail deductible?
Most Texas carriers default to a 1% or 2% wind/hail deductible, with 5% required by some carriers in the highest-risk counties (DFW, San Antonio, Hill Country, coastal). On a $400,000 home, that's $4,000 to $20,000 out of pocket per hail event.
Does the Texas wind/hail deductible apply to tornadoes?
Yes for most carriers — tornado damage is classified as windstorm damage and triggers the wind/hail deductible, not your flat AOP deductible. A few policies have separate 'windstorm' language; always read the trigger clause.
Is there a hurricane deductible in Texas?
Yes, for coastal counties (the Tier 1 and Tier 2 windstorm zones managed by TWIA). Hurricane or named-storm deductibles in coastal Texas are typically 1%–5% of dwelling coverage and apply on top of, or in place of, the standard wind/hail deductible depending on the policy.
Can I get a flat wind/hail deductible in Texas?
In low-risk areas, yes — some independent-agent carriers still write flat $1,000–$2,500 wind/hail deductibles. In the DFW hail belt and along the coast, percentage deductibles are usually mandatory. The lever you have is choosing the percentage (1% vs 2% vs 5%).
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. Texas deductible structures vary by carrier, county, and TWIA zone. Confirm with your declarations page.