Glossary

Named storm deductible

A separate amount you pay first, often a percentage of the dwelling limit, when damage comes from any storm the National Hurricane Center has named.

Also called: named windstorm deductible, named storm wind deductible

A named storm deductible applies to covered damage from any storm that the National Hurricane Center or National Weather Service has given a name, including tropical storms that never reach hurricane strength. That makes it broader than a hurricane deductible, which usually requires hurricane status or a watch or warning for your area.

Like other storm deductibles, it is typically a percentage of the dwelling limit, often in the range of 1% to 5%. Say your limit is $350,000 and the deductible is 2%. A named tropical storm drops a tree through your roof, and the repair estimate is $12,000. Your share is $7,000 and the policy pays $5,000, where a $1,000 standard deductible would have paid $11,000.

Details differ by policy. Many define a window that opens when the storm is named and closes a set number of hours after the last watch or warning ends, so damage outside that window falls under the regular deductible. States regulate the deductible differently, including how often it can apply in a season or year. Check the policy definitions as well as the declarations page, because the definition decides which deductible you have.

Flood is excluded either way. For a full comparison, read the hurricane and named-storm deductible guide and the percentage deductible entry.

Last reviewed October 10, 2026

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Related terms

Hurricane deductible A separate amount you pay first, usually a percentage of the dwelling limit, that applies to wind damage from a hurricane in place of your regular flat amount. Percentage deductible The share of your insured dwelling limit, rather than a fixed dollar figure, that you pay first on a loss, commonly 1% to 5% for wind, hail or hurricane damage. Wind/hail deductible A separate amount you pay first, flat or a percentage of the dwelling limit, on damage from wind or hail in place of the standard flat amount. Deductible The amount of a covered property loss you pay yourself before the insurer pays the rest, shown on your declarations page as a dollar figure or a percentage. Windstorm The peril of damage from high winds, including hurricanes, tornadoes and thunderstorm gusts, which most policies cover, sometimes with a separate deductible. Storm surge The abnormal rise of seawater that a hurricane or strong storm pushes onshore above the normal tide, treated as flood and excluded from homeowners policies.

Related guides

Beach and windstorm pools along the coast: how they work Wind pools in Texas, Alabama, Mississippi and the Carolinas cover coastal wind and hail when private insurers will not. Eligibility, limits and tradeoffs. Gulf Coast home insurance: Alabama and Mississippi How Alabama and Mississippi differ on wind pools, hurricane deductibles, FORTIFIED discounts and claim rules, using 2025 NAIC data and state sources. How homeowners insurance deductibles work A deductible is the part of a covered loss you pay before the insurer does. How flat and percentage deductibles work, when each applies and how to size yours. Hurricane and named-storm deductibles explained How hurricane and named-storm deductibles work: what triggers them, how each state sets the window, why they apply once a year and how to lower yours. What Hurricanes Helene and Milton taught homeowners Two 2024 hurricanes two weeks apart exposed gaps in flood cover, deductible timing and inland wind claims. Loss, NFIP and Florida OIR figures, plus a checklist. Hurricane season insurance checklist A dated checklist for homeowners: what to review before the season, what has a lead time, what to do at a watch and what to gather before evacuating.

Related insurers

American Family Insurance Madison, Wisconsin mutual sold by exclusive agents in 19 states, with Homesite and partner programs reaching most others; the 6th-largest U.S. home insurer. North Carolina Farm Bureau Insurance North Carolina's second-largest home insurer, a Raleigh mutual that sells only to NC Farm Bureau members through local agents in all 100 counties. NC Insurance Underwriting Association (Coastal Property Insurance Pool) North Carolina's market of last resort for the Outer Banks and 18 coastal counties, writing homeowners, dwelling and wind-only policies up to $1 million. SageSure Jersey City MGA that writes catastrophe-exposed homeowners policies for IAT and other carriers, sold through independent agents in coastal states. SURE and Elevate (SageSure reciprocals) Two policyholder-owned Texas reciprocal exchanges that insure coastal homes through SageSure; Elevate is sold only through Goosehead agents.

Related states

Alabama Alabama home insurance: State Farm and Alfa lead, coastal wind drives premiums, AIUA covers Mobile and Baldwin, and FORTIFIED discounts are mandatory. Louisiana Louisiana home insurance: the highest average premium in the U.S., Louisiana Citizens as last resort, named-storm deductibles and 2024-2026 claim reforms. Mississippi Mississippi home insurance: State Farm and Farm Bureau lead, the coastal wind pool set a 16% rate rise for 2026, and FORTIFIED roof grants restarted. North Carolina North Carolina home insurance: a Rate Bureau sets base rates, State Farm and NC Farm Bureau lead, and a FAIR Plan and Coastal Pool back up the coast. South Carolina South Carolina home insurance: State Farm leads a $3.51 billion market, coastal wind drives prices, and SC Wind and Safe Home grants serve the coast.

Related tools

Hurricane and wildfire season insurance checklist A checklist for the insurance side of hurricane and wildfire season: what to do before the season, as a storm or fire nears, and after the event. Hurricane and percentage deductible calculator Turn a hurricane, wind and hail, or earthquake percentage deductible into dollars and see what you and the insurer would each pay on a sample loss.