How Florida hurricane deductibles work

By ShopInsure.ai3 min readSources checked September 14, 2026

What does a 2% deductible mean in dollars?

For an illustrative $400,000 dwelling limit, 2% is $8,000. Use the limit and deductible shown in your actual policy; these examples are not offers from an insurance company.

Illustration only: a $400,000 dwelling limit
Percentage	Calculation	Deductible
2%	$400,000 × 0.02	$8,000
5%	$400,000 × 0.05	$20,000
10%	$400,000 × 0.10	$40,000

Sources: Florida DFS: Florida’s hurricane deductible

Is it the same as my other deductible?

Florida policies can have a separate hurricane deductible. The policy and Florida rules determine when it applies; don’t assume every wind or rain event uses it. Review both the hurricane amount and the other deductibles shown in the quote.

Sources: Florida DFS: Florida’s hurricane deductible

What should I weigh when comparing options?

A higher deductible may reduce the premium but leaves more for you to fund after a covered loss. I’d compare the dollar amounts with money you could realistically access after a storm, then ask the agency to explain the tradeoff.

Sources: Florida DFS: shopping for homeowners insurance

Does a hurricane deductible mean flood damage is covered?

No. Most homeowners insurance excludes flood damage, even when a hurricane causes the flooding. Flood insurance is a separate coverage discussion.

Sources: FEMA National Flood Insurance Program: insurance basics

Where will I see the deductible for my price?

ShopInsure’s first results show carrier prices without verified coverage terms. I can help you choose an option for review, but I won’t fill in a deductible from that price. Jenna checks the insurance company’s actual quote and shares the reviewed terms.

If you already have a policy, bring the declarations page to the conversation. I’d ask the agency to confirm the current dwelling limit, the deductible in dollars and how the policy would apply to the situation you’re asking about.