Connecticut hurricane deductible rules

When the hurricane deductible applies in Connecticut and what it can be, summarised from official state sources.

Connecticut in brief

Connecticut allows a hurricane deductible only after a hurricane warning for any part of the state and only if the hurricane produces sustained winds of 74 mph or more in Connecticut. Insurance Department guidelines limit it to 5% within 2,600 feet of the coast and 2% farther inland.

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When the deductible applies

Connecticut General Statutes section 38a-316a allows a hurricane deductible, for policies issued or renewed on or after October 1, 2012, starting no earlier than a National Hurricane Center hurricane warning for any part of the state, if the hurricane results in maximum sustained surface winds of 74 mph or more for any part of Connecticut. It ends at the earlier of 24 hours after the last hurricane warning for the state ends or 24 hours after the storm is downgraded from hurricane status.

Limits by distance from the coast

The Insurance Department's filing review guidelines dated July 25, 2014 allow a hurricane deductible of up to 5% within 2,600 feet of the coast and up to 2% beyond 2,600 feet. For renewals more than 2,600 feet from the coast, the 2% deductible may be applied only if the home does not have storm shutters.

Shown in dollars

The same guidelines require the declarations page to set out the dollar equivalent of every hurricane deductible and to highlight it when the deductible is a percentage of the property's value.

What a 2% deductible costs

A percentage deductible is applied to the dwelling coverage limit (Coverage A), not to the damage. On $300,000 of dwelling coverage a 2% deductible is $6,000; on $500,000 it is $10,000. Covered storm damage below that amount is paid by the homeowner.

Example 2% deductible: $300,000 of dwelling coverage gives $6,000; $500,000 gives $10,000.
A visual summary of the examples below. The text, applicable periods, sources and limitations on this page govern.

Read your own declarations page and deductible endorsement: the policy wording, together with state law, decides which deductible applies to a loss. This page summarises the official state guidance only.

Frequently asked questions

Does the Connecticut hurricane deductible apply to any hurricane warning?

No. Under section 38a-316a the hurricane must also produce maximum sustained surface winds of 74 mph or more somewhere in Connecticut.

What is the maximum hurricane deductible in Connecticut?

Under the Insurance Department's July 25, 2014 guidelines, up to 5% within 2,600 feet of the coast and up to 2% beyond 2,600 feet.

Hurricane deductible rules in other states

Florida · New York · Louisiana · Mississippi · Rhode Island · Maryland · North Carolina · New Jersey · Texas · South Carolina · Massachusetts

All states · Hurricane deductible calculator

Sources & further reading

Figures read from the official sources below and checked: October 20, 2026. Worked examples are our calculations, not benefit awards.