{"id":24628,"date":"2026-04-28T06:55:36","date_gmt":"2026-04-28T06:55:36","guid":{"rendered":"https:\/\/incredipros.com\/?p=24628"},"modified":"2026-04-28T06:55:36","modified_gmt":"2026-04-28T06:55:36","slug":"your-guide-to-hurricane-insurance","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=24628","title":{"rendered":"Your Guide to Hurricane Insurance"},"content":{"rendered":"<div>\n<p>Every year, hurricanes cause billions of dollars in damage, and the majority of it is caused by wind and flooding\u2014two things most regular homeowners insurance policies don\u2019t cover. That\u2019s why if you live in a hurricane-prone area, you need to make sure you\u2019ve got the coverage you need.<\/p>\n<p>We\u2019ll dig into everything you need to know about hurricane insurance so you can protect your biggest investment\u2014your home.\u00a0<\/p>\n<h2><strong>What Is Hurricane Insurance?<\/strong><\/h2>\n<p>In reality, you can\u2019t go out and buy a \u201churricane insurance\u201d policy. Instead, you have to buy coverage in addition to your homeowners or renters insurance for specific types of damage that usually accompany a hurricane, like flooding and wind damage.<\/p>\n<p>So if you live in a hurricane-prone area, listen up: You need to add a flood insurance rider and a wind insurance rider to your homeowners policy ASAP! Not sure what a \u201crider\u201d is? It\u2019s simply an extra layer of coverage you can add to a standard homeowners policy for additional protection.<\/p>\n<h2>\u00a0<\/h2>\n<p>\u00a0<\/p>\n<\/p><\/div>\n<div>\n<h2><strong>Does Homeowners Insurance Cover Hurricane Damage?<\/strong><\/h2>\n<p>You\u2019d think the\u00a0typical homeowners insurance policy\u00a0would protect your house, belongings and property from hurricanes and flooding, but this just isn\u2019t the case. Homeowners insurance doesn\u2019t cover much of the damage from hurricanes.<\/p>\n<p>And if you\u2019re renting, your\u00a0renters insurance\u00a0coverage is also spotty when it comes to hurricanes. It will likely cover wind damage to your stuff, but not flooding.<\/p>\n<\/p><\/div>\n<div>\n<h3><strong>Usually Covered by Home Insurance<\/strong><\/h3>\n<p>Here\u2019s a summary of the types of hurricane damage that are typically\u00a0covered by your homeowners insurance\u00a0policy:<\/p>\n<ul>\n<li>Wind damage (except if you live in a coastal state)<\/li>\n<li>Temporary relocation expenses like food and lodging<\/li>\n<li>Flooding caused by water coming through a hole in the roof<\/li>\n<li>Lightning damage<\/li>\n<li>Food spoiling in the freezer or refrigerator due to a power outage caused by a hurricane<\/li>\n<\/ul>\n<h4><strong>Windstorm Damage<\/strong><\/h4>\n<p>Damage from wind can be a tricky one. Your homeowners policy may cover it, but likely won\u2019t if you live on the coast or in other areas that see a lot of wind damage. If your homeowners policy doesn\u2019t cover wind damage specifically caused by a hurricane, you\u2019ll need to add on a wind coverage rider.<\/p>\n<h4><strong>Water Damage<\/strong><\/h4>\n<p>Water damage coverage depends on where the water is coming from. If a tree falls on your house and gouges a hole in your roof allowing rain to gush in, that\u2019s covered. But if water from a storm surge, flooding from a nearby body of water, or heavy rain gets inside your home, you\u2019ll need flood insurance to be covered.<\/p>\n<h2><strong>Additional Hurricane Coverages to Consider<\/strong><\/h2>\n<p>As we mentioned, if you live somewhere that deals with frequent hurricanes, like a coastal area, you\u2019re not really protected unless you have extra coverage specifically for hurricane damage. Like we said earlier, you can\u2019t actually buy hurricane insurance, so you\u2019ll need to get these additional coverage types:<\/p>\n<h3><strong>Wind Insurance<\/strong><\/h3>\n<p>For states near the coast, wind insurance is a separate policy. You add a wind insurance rider to your homeowners policy to cover damage to your home from\u00a0weather events with gusty winds, like hurricanes and tornadoes. Damage covered will include:<\/p>\n<ul>\n<li>Water damage from wind-driven rain<\/li>\n<li>Damage to personal property<\/li>\n<li>Roof damage from winds (aka shingles torn off or a hole punched by flying debris)<\/li>\n<li>Damage to sheds and garages (some policies)<\/li>\n<\/ul>\n<h3><strong>Flood Insurance<\/strong><\/h3>\n<p>Flood insurance is also a rider added to your homeowners policy to protect your home from:<\/p>\n<ul>\n<li>Water damage to your home from rising water (aka flooding)<\/li>\n<li>Personal property destroyed by flooding (aka appliances, furniture, etc.)<\/li>\n<\/ul>\n<h3><strong>Sewer Backup Coverage<\/strong><\/h3>\n<p>Flooding can cause problems with your sewer or septic tank, which means you could end up with sewage water in your home. Pretty terrible to think about, we know. Even worse, regular\u00a0e\u00a0it. A water backup rider will help cover the costs to clean up the damage if it does.<\/p>\n<h3><strong>Comprehensive Car Insurance<\/strong><\/h3>\n<p>Your house isn\u2019t the only property that could be damaged by a hurricane. Your car is vulnerable too. Damage from hail, a falling tree or other debris could put a serious dent in your wallet if you don\u2019t have comprehensive insurance. Comprehensive coverage will pay for:<\/p>\n<ul>\n<li>Hail damage<\/li>\n<li>A tree or limb falling on your vehicle<\/li>\n<li>Flooding<\/li>\n<\/ul><\/div>\n<div>\n<h2><strong>How Does a Hurricane Deductible Work?<\/strong><\/h2>\n<p>For wind-damage coverage, some insurance companies use what\u2019s called a\u00a0<em>hurricane deductible<\/em>. It only applies to damage caused by a named storm. And it\u2019s usually higher than your normal deductible.<\/p>\n<p>Here\u2019s the deal: Hurricanes are super expensive events for insurance companies. Hurricane deductibles are all about minimizing their losses. So, where you usually have a\u00a0typical flat-rate \u201cdollar\u201d deductible\u00a0for most claims, your hurricane deductible is based on a\u00a0<em>percentage<\/em>\u00a0of the insured value of your property.<\/p>\n<p>Most hurricane deductibles are from 1\u20135% but can go as high as 10% in places like Florida. So, if your Cocoa Beach home is worth $500,000, and you have a 10% hurricane deductible, you would need to pay $50,000 out of pocket before your insurance company would cover any repairs for hurricane damage.<\/p>\n<p>For the most part, insurance companies in different states decide how high your deductible percentage will be and when it will apply. But in Florida\u2014and a few other coastal states\u2014state laws limit those choices and require insurers to follow specific rules.<\/p>\n<p>Certain states do give you the option of paying a higher\u00a0premium\u00a0for a traditional dollar deductible. But it can depend on how close your house is to the shore.<\/p>\n<h3><strong>States Where Insurance Companies Can Charge Special Deductibles for Hurricane Damage<\/strong><\/h3>\n<p>Nineteen coastal states plus Washington, D.C., charge hurricane deductibles, usually for any damage caused by a named storm:<\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"4\">\n<p style=\"text-align: center;\"><strong>Hurricane Deductible States<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Alabama<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Hawaii<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Mississippi<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Rhode Island<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Connecticut<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Louisiana<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">New Jersey<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">South Carolina<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Delaware<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Maine<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">New York<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Texas<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Florida<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Maryland<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">North Carolina<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Virginia<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Georgia<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Massachusetts<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Pennsylvania<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Washington, D.C.<sup>1<\/sup><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><strong>How Much Is Hurricane Insurance?<\/strong><\/h2>\n<p>So it\u2019s looking like this extra coverage might be necessary, but now you\u2019re wondering,\u00a0<em>How much is hurricane insurance?<\/em>\u00a0Well, just to be extra clear, we\u2019ll say it one more time: You can\u2019t buy a hurricane insurance policy. Instead, hurricane insurance is a combo of flood insurance and wind coverage riders added to your existing homeowners or renters insurance policy.<\/p>\n<p>The total cost can vary a lot depending on where you live and what kind of home you have. For example, flood insurance\u2014typically purchased through the National Flood Insurance Program (NFIP)\u2014costs around $1,290 per year.<sup>2<\/sup> But some coastal states see much higher rates, while inland areas tend to be lower.<\/p>\n<p>Then there\u2019s the wind coverage side of things. As we\u2019ve already mentioned, this rider often comes with a hurricane deductible, which is usually a percentage of your home\u2019s insured value. That means your costs could range widely. Things like your location, the age and structure of your home, and especially the condition of your roof all play a role in how much you\u2019ll pay.<\/p>\n<p>One more thing to keep in mind: Many insurers won\u2019t issue new coverage within 24\u201348 hours of a major storm. That\u2019s to prevent people from buying a policy at the last minute and canceling it right after the storm passes. So don\u2019t wait until the Weather Channel starts flashing hurricane warnings\u2014get covered before the storm is even on the radar.<\/p>\n<p>So at this point, you probably want to know\u2014<em>is there any way to lower my flood and wind insurance costs? <\/em>You bet. Let\u2019s take a look.<\/p>\n<h3><strong>Flood Insurance<\/strong><\/h3>\n<p>For flood insurance, there are a number of ways you can lower your costs:<\/p>\n<ul>\n<li><strong>Increase your deductible<\/strong>: If you\u2019re willing to pay more when disaster strikes, you can benefit from lower premiums.<\/li>\n<li><strong>Compare rates<\/strong>: Don\u2019t just assume an NFIP policy will be your cheapest option. Shop around among private insurers as well.<\/li>\n<li><strong>Maintain your coverage<\/strong>: Don\u2019t let your flood coverage lapse.<\/li>\n<li><strong>Flood-proof your home<\/strong>: Adding improvements to make your home more flood-proof could earn you a cheaper premium.<\/li>\n<\/ul>\n<h3><strong>Wind Insurance<\/strong><\/h3>\n<p>The kind of savings you get on wind insurance depends on where you live. In Florida, insurers are required to offer discounts on your insurance if you add some wind mitigation improvements to your house, like a better roof shape, better roofing materials and adding a secondary water barrier.<\/p>\n<p>In other states, wind mitigation inspections are one of the best ways to earn a discount or credit with an insurance provider on your coverage. The inspection involves hiring a licensed inspector to check your home\u2019s roof, windows, doors and other features to see if it\u2019s up to code and built well enough to withstand strong winds.<\/p>\n<p>\u00a0<\/p>\n<\/p><\/div>\n<div>\n<h2><strong>Costliest Hurricanes for Insurance Claims in the U.S.<\/strong><\/h2>\n<p>If you\u2019re thinking<em>, That\u2019s nice, but hurricanes are really rare and I can probably get by without insurance<\/em>, take a look at this hurricane stat: 9 out of the top 10 most expensive hurricanes for insurance to hit the U.S. happened within the last 20 years.<sup>3<\/sup><\/p>\n<p><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"5\">\n<p style=\"text-align: center;\"><strong>Saffir-Simpson Hurricane Wind Scale<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Category 1<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Category 2<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Category 3 (major)<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Category 4 (major)<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Category 5 (major)<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>74\u201395 mph sustained winds<\/p>\n<\/td>\n<td>\n<p>96\u2013110 mph sustained winds<\/p>\n<\/td>\n<td>\n<p>111\u2013129 mph sustained winds<\/p>\n<\/td>\n<td>\n<p>130\u2013156 mph sustained winds<\/p>\n<\/td>\n<td>\n<p>157+ mph sustained winds<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>Solidly built home could suffer damage to roof, shingles, siding and gutters<\/p>\n<\/td>\n<td>\n<p>Well-built home could see major roof and siding damage. Small trees could be uprooted.<\/p>\n<\/td>\n<td>\n<p>Solid homes could see devastating damage. Trees will be uprooted. Electricity and water will be unavailable for days.<\/p>\n<\/td>\n<td>\n<p>Catastrophic damage to homes and landscape: Loss of roof and exteriors walls, trees uprooted. Power out for weeks up to months.<\/p>\n<\/td>\n<td>\n<p>Catastrophic damage to framed houses. Areas directly hit will be likely uninhabitable for weeks or longer.<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: right;\"><em>Data from NOAA<sup>4<\/sup><\/em><\/p>\n<p>Let\u2019s look at a few:<\/p>\n<p><strong>#5: Hurricane Harvey, 2017<\/strong><\/p>\n<p>Growing massive in the Gulf of Mexico, Hurricane Harvey hit Texas as a Category 4 and still holds rainfall records. The highest recorded rainfall was over 60 inches in one town.<sup>5<\/sup>\u00a0Residents suffered $30 billion in insured losses.<sup>6<\/sup><\/p>\n<p><strong>#4: Hurricane Sandy, 2012<\/strong><\/p>\n<p>With tropical storm-force winds extending 870 miles across, Hurricane Sandy became known as a superstorm. She made landfall in New England, shutting down New York City and the surrounding region with winds and flooding. This storm also dumped multiple feet of snow in the Appalachians. Sandy\u2019s total insured damage costs hit $30 billion.<sup>7<\/sup><\/p>\n<p><strong>#3: Hurricane Ida, 2021<\/strong><\/p>\n<p>This hurricane slammed into Louisiana and Mississippi as a Category 4 storm but pushed deep inland, causing flooding across many states all the way up into Massachusetts and New York City. Ida caused $36 billion in insured losses.<sup>8<\/sup><\/p>\n<p><strong>#2: Hurricane Ian, 2022<\/strong><\/p>\n<p>The second-most expensive hurricane to hit the U.S. happened just several years ago. Hurricane Ian made landfall in Southwest Florida and then again in South Carolina, dumping over 10 inches of rain over 3,500 square miles and causing $54 billion in insured losses.<sup>9,\u00a010<\/sup><\/p>\n<p><strong>#1: Hurricane Katrina, 2005<\/strong><\/p>\n<p>Causing $65 billion in insured losses, Hurricane Katrina is still the most expensive named storm to hit the U.S. Residents in Louisiana were devastated when this Category 5 storm made landfall over New Orleans and broke the levees, flooding hundreds of thousands of homes.<sup>11<\/sup><\/p>\n<\/p><\/div>\n<div>\n<h4 class=\"u-typesetHeadingMedium u-spacingStack1\">Free Hurricane Checklist<\/h4>\n<p class=\"u-typesetBodyMediumShort u-spacingStack3\">If you&#8217;re ready to be prepared in case of a hurricane, here&#8217;s a free checklist to help you stay on track.<\/p>\n<\/p><\/div>\n<div>\n<h2><strong>Tips for Buying Hurricane Insurance<\/strong><\/h2>\n<p>If you\u2019ve looked over your homeowners insurance policy and realized you need more protection, here are some tips for buying wind and flood coverage:<\/p>\n<ol>\n<li>There are two types of deductibles for wind damage: hurricane and windstorm. The trigger for a hurricane deductible is often damage by a named storm, but can be different depending on the state you\u2019re in. The second is activated any time a storm with high winds (think tornadoes, tropical storms, blizzards, etc.) blows through.<\/li>\n<li>Make sure you have\u00a0enough coverage\u00a0to replace your house. Whether you\u2019re just adding flood and wind insurance to your homeowners policy or you\u2019re buying the whole shebang right now, you need enough coverage to keep you from getting into a financial bind if your whole house and all your stuff needs to be replaced. An\u00a0independent insurance agent\u00a0can help you figure out what that number looks like.<\/li>\n<li>Consider buying\u00a0ALE\u00a0(Additional Living Expenses) coverage. This stuff may come with your homeowners policy or you may have to add it on as a rider. It pays for the extra cost of living in a hotel and eating out if your house becomes uninhabitable from a hurricane (or other problem)\u2014a cost that could wipe out your savings.<\/li>\n<li>If you\u2019re waiting until the Waffle House closes to buy hurricane insurance . . . don\u2019t. Flood insurance policies in particular often have a waiting period before they take effect (usually 30 days).<\/li>\n<\/ol>\n<h2><strong>Talk to an Agent<\/strong><\/h2>\n<p>Our final tip for buying hurricane insurance (by this time you know we mean flood and wind insurance) is to go through an independent insurance agent. If you\u2019re not sure where to find a good one, start with a RamseyTrusted<sup>\u00ae<\/sup>\u00a0insurance pro. Our insurance agents are vetted experts in their fields and can help you navigate all the ins and outs of getting the right protection. They also do all the heavy lifting for you\u2014shopping around so you can know you\u2019re getting the best deal.\u00a0<\/p>\n<p>So what are you waiting for? It\u2019d better not be the next named storm!<\/p>\n<p>Get in touch with a RamseyTrusted insurance pro today!<\/p>\n<\/p><\/div>\n<p>Read the full article <a href=\"https:\/\/www.ramseysolutions.com\/insurance\/hurricane-insurance\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Every year, hurricanes cause billions of dollars in damage, and the majority of it is caused by wind and flooding\u2014two things most regular homeowners insurance policies don\u2019t cover. That\u2019s why if you live in a hurricane-prone area, you need to make sure you\u2019ve got the coverage you need. We\u2019ll dig into everything you need to<\/p>\n","protected":false},"author":1,"featured_media":24629,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":{"0":"post-24628","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Your Guide to Hurricane Insurance | IncrediPros<\/title>\n<meta name=\"description\" content=\"Every year, hurricanes cause billions of dollars in damage, and the majority of it is caused by wind and flooding\u2014two things most regular homeowners\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/incredipros.com\/?p=24628\" \/>\n<meta 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