Does Homeowners Insurance Cover Hurricane Damage?

Yes, homeowners insurance usually covers hurricane damage—but not always. Standard policies often pay for wind and debris damage caused by a hurricane. However, flood damage is not covered. You’ll need separate flood insurance for that.

Hurricane season runs from June 1 to November 30, so it’s important to get the right coverage early. Learn how to prepare before the storms start and make sure your home is protected.

Keep reading to understand what’s covered, what’s not, and when to consider extra flood coverage.

Changing hurricane trends

The 2024 hurricane season brought 18 named storms, 11 hurricanes, and widespread damage. Hurricanes Beryl, Helene, and Milton caused the most destruction, with impacts reaching farther inland than expected—even into the southern Appalachian Mountains.^[1] ^[2] Standard homeowners insurance often excludes flood and wind damage, so it’s wise to explore extra coverage from private insurers. If that’s not an option, programs like the National Flood Insurance Program (NFIP) can still offer critical protection.

Source: The Zebra

What is hurricane insurance?

Despite the name, there’s no single policy called “hurricane insurance.” Instead, coverage depends on which part of the storm causes damage—usually wind or flooding.

Most homeowners policies include wind damage, but flooding from rain or storm surge is typically excluded. And in high-risk coastal areas, insurers may limit or even exclude wind coverage altogether. In those cases, a windstorm endorsement or separate wind policy may be necessary.

To know exactly what your policy covers, check your homeowners declarations page. If you’re unsure, contact your insurer to confirm that you’re protected before the next storm hits.

Home insurance covers:

Damage from covered perils associated with hurricanes, like wind and rain

Home insurance does not cover:

Flood damage

What hurricane damage is covered by homeowners insurance?

Most hurricane damage is covered under the standard perils listed in your homeowners policy. These policies typically include four sections, each with its own coverage limits and exclusions—but hurricane-related losses often fall within multiple sections. That’s because common storm-related perils like wind and rain are usually part of the policy’s core protections.

Let's break down the four standard homeowners coverages first:

Dwelling

Covers the structure of your home, your roof and attached structures.

Other structures

Any stand-alone structures — like a carport or tool shed — not attached to the home. A typical limit is 10% of your dwelling limit.

Personal property

Covers personal items. Limit is often a percentage of your dwelling limit, and you may choose to insure your belongings on a replacement cost or actual cash value basis.

Additional living expenses

This covers a stay at a hotel and food expenses if you are temporarily displaced after a covered loss.

Homeowners insurance covered perils:

Fire
Lightning
Theft
Vandalism
Windstorms and hail
Damage caused by vehicles
Damage from aircraft
Weight of ice, snow and sleet
Freezing of household systems
Riots
Explosions
Falling objects
Volcanic eruptions
Water damage: overflow or discharge
Damage from artificially generated electrical current
Sudden tearing, cracking or bulging of home

What is a hurricane deductible?

Many home insurance policies in storm-prone states include a hurricane deductible—a separate amount you must pay before coverage kicks in.

Unlike standard flat deductibles, hurricane deductibles are typically 1% to 10% of your home’s insured value. For example, if your home is insured for $250,000 and your deductible is 5%, you’d be responsible for the first $12,500 of damage—far more than a typical deductible.

This deductible may apply not just to your main home, but also to other structures and personal property. It’s a major difference from standard policies—and one that can catch homeowners by surprise if they’re not prepared.

Scroll down to see average premiums in states where hurricane deductibles apply.

Agent insight: Deductibles for storms

“If you live in an area prone to tornadoes, hail, or hurricanes, one thing to watch closely is your wind and hail deductible. In many policies, it’s not a flat amount — it’s a percentage of your home’s replacement cost. So if your home is insured for $500,000 and you have a 2% wind and hail deductible, that’s a $10,000 out-of-pocket expense before coverage even kicks in. Understanding that detail can make a huge difference when disaster strikes.”

-Erick Sosa, Licensed insurance agent and manager at The Zebra

Average premiums by hurricane deductible amounts

Filter by:

State

Updating data...

Hurricane Deductible	Avg. Annual Premium
None	$1,864
2%	$3,906
1%	$4,041

Source: The Zebra

Which states have hurricane deductibles?


Alabama	Maine	Pennsylvania
Connecticut	Maryland	Rhode Island
Delaware	Massachusetts	South Carolina
Florida	Mississippi	Texas
Georgia	New Jersey	Virginia
Hawaii	New York	Washington, D.C.
Louisiana	North Carolina

Windstorm insurance deductibles

Wind and hail are typically covered by homeowners insurance, but in some areas, windstorms may require a separate deductible. Even a Category 1 hurricane can cause significant damage, with wind speeds between 74 and 95 mph. Windstorm deductibles can be triggered by strong winds, not just hurricanes, and in some states, tornadoes may also apply.

In certain regions, windstorm coverage might be excluded from standard policies, so you’ll need to add it through an endorsement if you live in those areas.

Average insurance premiums by wind deductible

Filter by:

State

Updating data...

Deductible amount	Avg. Annual Premium
Policy deductible	$3,282
1,000	$3,273
2,000	$3,256

Source: The Zebra

The Zebra’s homeowners insurance data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Protect your home from hurricane damage with the right coverage.

Why can't you get new insurance right before a hurricane?

When a big storm is on the way, insurance companies often hit pause on new policies and coverage changes. This is called a binding restriction — a temporary freeze that helps insurers limit sudden, large-scale losses.

During a binding restriction:

You can’t buy a new policy
You can’t increase your coverage
Switching insurers is usually not allowed

It might feel frustrating, but it’s how insurers stay stable and able to pay existing claims. In high-risk states like Florida , some have even stopped writing coverage altogether. If you live in a hurricane-prone area, it’s best to lock in coverage well before a storm shows up on the radar.

High-Risk Home Insurance: What's the FAIR Plan? | The Zebra

Explore how the FAIR Plan offers essential homeowners insurance for high-risk properties, including coverage details, requirements, and how to apply.

Coverage in hurricane-prone states

States along the Gulf and Atlantic coasts (including Washington, D.C.) face high hurricane risk. Yet, standard homeowners insurance often doesn’t fully cover wind or flood damage.

To stay protected, look into supplemental coverage through private insurers. If that’s not available, programs like the National Flood Insurance Program (NFIP) or your state’s FAIR Plan can help fill the gaps.

What if I can't find coverage?

While homeowners insurance may cover certain types of wind and water damage, it never covers flooding—including storm surge. To stay protected, especially in high-risk areas, you’ll likely need separate flood and wind policies. Flood insurance is available through FEMA’s National Flood Insurance Program (NFIP) or private insurers.

With their ability to cause widespread damage and expensive claims, hurricanes can put homeowners insurance companies at substantial financial risk. The hurricane deductible shifts more of this risk to the homeowner, making insurance premiums more affordable for the company's customer base.

Hurricane aftermath: What to expect

Hurricanes often bring more than just wind — heavy rain and flooding can stick around for days. In many states, a special hurricane deductible kicks in when a hurricane watch or warning is issued, and it can stay in effect for up to 72 hours after the storm ends.

Every state has its own rules, and your costs can vary depending on how the storm is classified when it hits. To avoid surprises, it’s a good idea to check your policy ahead of time.

How long do you have to file a claim?

It depends on your insurer and your state, but most policies recommend filing as soon as possible — ideally within 30 to 60 days. Some states set specific deadlines, especially after federally declared disasters.^[3] The sooner you file, the easier it is to document damage and avoid delays. When in doubt, check your policy or call your insurer directly.

Agent insight: Upgrades can help you save, and also protect your home

“If you live in a coastal area, installing hurricane-impact windows, doors, and skylights can make a big difference. Completing a wind mitigation inspection is one of the best ways to show insurers your home can withstand severe weather — and it often leads to significant discounts.”

-Jordan Lazarre, Licensed insurance agent at The Zebra

Simple steps that make a big difference in a storm

While there's no standalone “hurricane insurance,” there are smart ways to stay protected. Depending on where you live, consider:

Reviewing your homeowners policy for windstorm or hurricane deductibles
Checking if your state offers a wind pool or other special storm coverage
Adding flood insurance through the National Flood Insurance Program (NFIP) if you're in a high-risk area

You can’t stop the storm — but you can take steps that make recovery easier. Start by comparing homeowners insurance quotes below.

Live in a hurricane zone? Compare top home insurance options with The Zebra.

Homeowners insurance and hurricanes FAQs

Are there exclusions with hurricane insurance?

Yes, and it’s important to know what they are. Most homeowners policies won’t cover flood damage, including storm surge, unless you have separate flood insurance. You might also see exclusions for things like mold, sewer backups, or long-term wear and tear. When in doubt, a quick check with your insurance company can help you avoid surprises later.

Are there insurance discounts for installing hurricane-resistant features?

Often, yes. Many insurers offer discounts if you add storm shutters, upgrade your roof, or reinforce doors and windows. These upgrades can help protect both your home and your wallet. Just check with your provider to see what qualifies

What if my insurer fails or stops writing policies after a major hurricane?

It’s rare, but it can happen. If your insurer pulls out of your area or goes under, your state’s insurance department or guaranty association may step in. You might also find coverage through a state-run insurer of last resort or specialty provider. It’s frustrating, but you’re not without options.

Does renters insurance cover hurricane damage?

It can, but it depends on the type of damage. Renters insurance typically covers your belongings if they’re damaged by wind, hail, or fire during a hurricane. But it won’t cover flood damage or storm surge; you’d need separate flood insurance for that. If your rental becomes unlivable due to a covered event, your policy may also help pay for temporary living expenses.

Sources:

Devastating Atlantic hurricane season comes to an end. WMO
Billion-Dollar Weather and Climate Disasters. NOAA
DisasterAssistance.gov
What are Named Storm Deductibles? NAIC

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Does Homeowners Insurance Cover Hurricane Damage?

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