Windstorm & Catastrophe Insurance Calculator

Windstorm coverage protects against hurricane and tornado damage. In coastal states (FL, TX, NC, SC, LA, AL, MS), wind is often excluded from standard homeowners policies and requires a separate policy from state wind pools (e.g., Citizens Property in FL, TWIA in TX).

In hurricane-prone coastal areas, windstorm coverage adds $1,500-$8,000/year. Florida's post-2023 average homeowners premium hit $6,000+ per Insurance Information Institute. Hurricane deductibles of 2-10% of dwelling value apply separately from standard deductibles.

A hurricane deductible only applies if NHC declares a hurricane (Cat 1+). A named storm deductible triggers for any named tropical storm. Named storm deductibles cost more in claims out of pocket but typically come with lower premiums.

Insurers use it to cap their catastrophic exposure to hurricanes and tornadoes. Rather than raise the base premium, they set a percentage deductible that applies only to wind or hurricane damage, so you pay less in premium but shoulder more out of pocket when a storm hits.

No. Wind and flood are separate perils with separate policies. Storm surge and rain that gets in through a wind-damaged roof sit in the gray zone between the two, so it's worth carrying full NFIP or private flood coverage if you live in a coastal area.

Almost always. In Florida, coastal Texas, and the Carolinas, a $100 to $200 inspection can document a 15% to 45% credit on the wind portion of your premium. It usually pays for itself in under a year, and the credit sticks as long as you keep the qualifying features in place.

You end up rebuilding with loans or FEMA assistance. That's why it pays to keep an emergency fund equal to your maximum deductible: if your home is worth $400,000 and the deductible is 5%, you should have $20,000 in liquid savings before you choose that policy.