How much does hurricane insurance cost is a question about two things that are not sold as hurricane insurance at all: the wind coverage inside a homeowners policy, priced by the carrier for the coast and the roof, and the named-storm or hurricane deductible, stated as a percentage of the dwelling limit, that decides what you pay yourself after a storm. Storm surge and flooding are a third thing, a separate flood policy. The Insurance Information Institute's NAIC-based figure puts the average US homeowners premium at $1,411 for 2021, and the average renters premium at $170; both are national averages that no single household pays, and the rate pages on this site show what carriers actually file where you live.
The wind coverage inside the homeowners policy
In hurricane states the homeowners premium carries the wind risk, and the carrier prices it on distance to the coast, roof age and shape, opening protection, roof-to-wall attachments and construction type. A wind mitigation inspection documents those features and is the single most effective way to lower the wind portion of the price.
The hurricane deductible is part of the cost
Most coastal policies carry a hurricane or named-storm deductible stated as a percentage of the dwelling limit, applied when a named storm triggers it. On a large dwelling limit that share is many times the ordinary deductible, so two quotes with different storm deductibles are not the same price. Some states let you choose the percentage and price the premium accordingly.
Where wind coverage is sold separately
In some coastal areas private carriers exclude wind and a state wind pool or the state-backed insurer sells it as a separate policy with its own premium and deductible. Then the cost of hurricane cover is that second policy plus the ex-wind homeowners premium.
Flood is never included
Surge and rising water are excluded from every homeowners and wind policy and are insured through the NFIP or a private flood carrier. FEMA's FloodSmart notes that almost one-third of NFIP flood claims come from outside high-risk flood areas, and a standard homeowners or renters policy does not cover flood at all.
Questions people ask about how much does hurricane insurance cost
Is hurricane insurance a separate policy?
Usually not: it is the wind coverage inside the homeowners policy plus a hurricane deductible. In some coastal areas wind is sold separately through a state pool.
How much does hurricane insurance cost in Florida?
This site publishes no benchmark; the filed Florida rates on the rate pages show how carriers price wind, and the hurricane deductible you choose sets your share after a storm.
Does hurricane insurance cover flooding?
No. Storm surge and flood need a separate flood policy.