Hurricane deductible rules by state

Official state rules on triggers, percentages and annual application, checked on October 20, 2026.

States with official hurricane deductible rules

Connecticut74 mph in CT required; 5% near coast, 2% inland
FloridaOptions of $500, 2%, 5%, 10%; annual; warning to 72 hours after
LouisianaAnnual (calendar year); signed deductible form required
MarylandStatewide once a warning is issued; 5% limit unless filed
MassachusettsFAIR Plan: 12 hours before an NWS watch/warning to 12 hours after
MississippiWatch or warning to 24 hours after; buy-back must be offered
New Jersey74 mph winds must be measured in NJ
New YorkLandfall in NY required; 12 hours before landfall to 12 hours after
North CarolinaAdvisory, watch or warning to 24 hours after; coastal pool 1% option
Rhode Island5% maximum; once per calendar year; warning to 24 hours after
South CarolinaNWS/NHC-named storms only; $100,000 example and warning required
TexasFAIR Plan wind/hail options 2%–5% from July 1, 2026

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How these pages are chosen

A state gets its own page only when an official state source publishes specific rules, such as what triggers the deductible, which percentages insurers may offer, or whether it applies once per year. Where a state publishes only general consumer advice, use the calculator and your policy's deductible endorsement.

No page yet for Alabama, Delaware, the District of Columbia, Georgia, Hawaii, Maine, Pennsylvania or Virginia: we found no state-specific rule on an official source that we could read and verify, or only general consumer advice. Your policy's deductible endorsement still governs there.