{ "name": "HomeCover HQ Flood Quake Catastrophe Rates", "title": "Flood Quake Catastrophe Rates", "url": "https://homecoverhq.com/datasets/flood-quake-catastrophe-rates/", "csv": "https://homecoverhq.com/datasets/flood-quake-catastrophe-rates.csv", "markdown": "https://homecoverhq.com/datasets/flood-quake-catastrophe-rates/index.md", "computed_at": "2026-09-26", "license": "https://homecoverhq.com/terms", "headline": "The Flood Quake Catastrophe Rates carries 4 published figures read from 3 sources' own pages, from 2 to 10 percent, read 26 September 2026.", "quotes": [ "The Flood Quake Catastrophe Rates carries 4 published figures read from 3 sources' own pages, from 2 to 10 percent, read 26 September 2026.", "3 of the 11 named sources read in full publish a figure; 8 publish none, read 26 September 2026.", "Flood Quake Catastrophe Rates, rule TWIA 2026 rate adequacy, residential: median 9 percent across 1 source, read 26 September 2026.", "Flood Quake Catastrophe Rates, rule TWIA filed rate increase: median 10 percent across 1 source, read 26 September 2026.", "Flood Quake Catastrophe Rates, rule Florida personal lines hurricane deductible option: median 500 USD across 1 source, read 26 September 2026.", "Flood Quake Catastrophe Rates, rule Florida commercial residential hurricane deductible offered: median 10 percent across 1 source, read 26 September 2026.", "Flood Quake Catastrophe Rates, rule Florida roof deductible cap: median 2 percent across 1 source, read 26 September 2026.", "Flood Quake Catastrophe Rates, rule Florida wind mitigation discount review cycle: median 5 year across 1 source, read 26 September 2026.", "The median is unchanged since 25 September 2026 (was 9.50 percent across 4)." ], "citation": "\"HomeCover HQ Flood Quake Catastrophe Rates\", updated 2026-09-26, https://homecoverhq.com/datasets/flood-quake-catastrophe-rates/.", "changed_since": { "since": "2026-09-25", "previous_median": 9.5, "delta": 0, "direction": "unchanged", "sentence": "The median is unchanged since 25 September 2026 (was 9.50 percent across 4)." }, "national": { "unit": "%", "n": 4, "median": 9.5, "min": 2, "max": 10, "p25": 3.75, "p75": 10, "mean": 7.75, "units": { "%": 4, "USD": 1, "year": 1 }, "published_sources": 3, "named_sources": 11, "read_sources": 11, "not_published": 8, "published_share": 0.273 }, "by_axis": { "rule": { "TWIA 2026 rate adequacy, residential": { "%": { "n": 1, "median": 9, "min": 9, "max": 9, "p25": 9, "p75": 9, "mean": 9 } }, "TWIA filed rate increase": { "%": { "n": 1, "median": 10, "min": 10, "max": 10, "p25": 10, "p75": 10, "mean": 10 } }, "Florida personal lines hurricane deductible option": { "USD": { "n": 1, "median": 500, "min": 500, "max": 500, "p25": 500, "p75": 500, "mean": 500 } }, "Florida commercial residential hurricane deductible offered": { "%": { "n": 1, "median": 10, "min": 10, "max": 10, "p25": 10, "p75": 10, "mean": 10 } }, "Florida roof deductible cap": { "%": { "n": 1, "median": 2, "min": 2, "max": 2, "p25": 2, "p75": 2, "mean": 2 } }, "Florida wind mitigation discount review cycle": { "year": { "n": 1, "median": 5, "min": 5, "max": 5, "p25": 5, "p75": 5, "mean": 5 } } } }, "rows": [ { "source": "Texas Windstorm Insurance Association rates", "url": "https://www.twia.org/rates/", "figure": "9 percent", "value": 9, "unit": "%", "vat": null, "axis": { "rule": "TWIA 2026 rate adequacy, residential" }, "retrieved_at": "2026-09-19", "quote": "TWIA’s 2026 Rate Adequacy Analysis finds that TWIA’s current rates are adequate by 9 percent for residential coverage and 4 percent for commercial coverage.", "source_class": "primary-provider-own-site", "text_sha256": "d80ad6da73b5aa2a4245056c3de3e8e5939cc94188b1a2f057bc0b18b6f89818" }, { "source": "Texas Windstorm Insurance Association rates", "url": "https://www.twia.org/rates/", "figure": "10%", "value": 10, "unit": "%", "vat": null, "axis": { "rule": "TWIA filed rate increase" }, "retrieved_at": "2026-09-19", "quote": "*TWIA filed a 10% rate increase with TDI.", "source_class": "primary-provider-own-site", "text_sha256": "d80ad6da73b5aa2a4245056c3de3e8e5939cc94188b1a2f057bc0b18b6f89818" }, { "source": "Florida Statutes 627.701 (hurricane deductible)", "url": "https://www.flsenate.gov/Laws/Statutes/2025/627.701", "figure": "$500 ", "value": 500, "unit": "USD", "vat": null, "axis": { "rule": "Florida personal lines hurricane deductible option" }, "retrieved_at": "2026-09-19", "quote": "(7) Prior to issuing a personal lines residential property insurance policy on or after April 1, 1997, or prior to the first renewal of a residential property insurance policy on or after April 1, 1997, the insurer must offer a deductible equal to $500 applicable to losses from perils other than hurricane.", "source_class": "primary-government", "text_sha256": "f8b43d1611179c8827923f1fadcbfa5721d48989611f72aaba778dd21e07186f" }, { "source": "Florida Statutes 627.701 (hurricane deductible)", "url": "https://www.flsenate.gov/Laws/Statutes/2025/627.701", "figure": "10 percent", "value": 10, "unit": "%", "vat": null, "axis": { "rule": "Florida commercial residential hurricane deductible offered" }, "retrieved_at": "2026-09-19", "quote": "627.4025 for commercial lines residential coverages, an insurer may offer a deductible in an amount not exceeding 10 percent of the insured value if, at the time of such offer and at each renewal, the insurer also offers to the policyholder a deductible in the amount of 3 percent of the insured value.", "source_class": "primary-government", "text_sha256": "f8b43d1611179c8827923f1fadcbfa5721d48989611f72aaba778dd21e07186f" }, { "source": "Florida Statutes 627.701 (hurricane deductible)", "url": "https://www.flsenate.gov/Laws/Statutes/2025/627.701", "figure": "2 percent", "value": 2, "unit": "%", "vat": null, "axis": { "rule": "Florida roof deductible cap" }, "retrieved_at": "2026-09-19", "quote": "The roof deductible may not exceed the lesser of 2 percent of the Coverage A limit of the policy or 50 percent of the cost to replace the roof.", "source_class": "primary-government", "text_sha256": "f8b43d1611179c8827923f1fadcbfa5721d48989611f72aaba778dd21e07186f" }, { "source": "Florida OIR wind mitigation resources", "url": "https://floir.gov/consumers/wind-mitigation-resources", "figure": "5 years", "value": 5, "unit": "year", "vat": null, "axis": { "rule": "Florida wind mitigation discount review cycle" }, "retrieved_at": "2026-09-19", "quote": "Section 627.0629, Florida Statutes, requires OIR, by January 1, 2025, and every 5 years after that, to review and update the fixtures or construction techniques demonstrated to reduce windstorm damage, along with the related insurance discounts and deductible reductions reflecting the value of such efforts.", "source_class": "primary-government", "text_sha256": "89af32b4c4ba44926d383f623b5b3ff21df57e80f99983997c79b96a6e0b07d0" } ], "not_published": [ { "source": "FEMA FloodSmart (National Flood Insurance Program)", "url": "https://www.floodsmart.gov/", "retrieved_at": "2026-09-12", "reason": "read in full and no accepted figure on the page" }, { "source": "FEMA FloodSmart: how much flood insurance costs", "url": "https://www.floodsmart.gov/flood-insurance-cost", "retrieved_at": "2026-09-12", "reason": "read in full and no accepted figure on the page" }, { "source": "California Earthquake Authority premium calculator", "url": "https://www.earthquakeauthority.com/california-earthquake-insurance-policies/earthquake-insurance-premium-calculator", "retrieved_at": "2026-09-19", "reason": "read in full and no accepted figure on the page" }, { "source": "FEMA: NFIP's pricing approach (Risk Rating 2.0)", "url": "https://www.fema.gov/flood-insurance/risk-rating", "retrieved_at": "2026-09-19", "reason": "read in full and no accepted figure on the page" }, { "source": "FEMA: NFIP pricing approach state profiles", "url": "https://www.fema.gov/flood-insurance/risk-rating/profiles", "retrieved_at": "2026-09-19", "reason": "read in full and no accepted figure on the page" }, { "source": "FEMA glossary: flood zones", "url": "https://www.fema.gov/about/glossary/flood-zones", "retrieved_at": "2026-09-19", "reason": "read in full and no accepted figure on the page" }, { "source": "FEMA glossary: Zone AE", "url": "https://www.fema.gov/about/glossary/zone-ae", "retrieved_at": "2026-09-19", "reason": "read in full and no accepted figure on the page" }, { "source": "the authority per jurisdiction per catastrophe peril", "url": "https://content.naic.org/insurance-topics/fair-access-to-insurance-requirements-plans", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" } ], "sources": [ { "url": "https://www.floodsmart.gov/", "label": "FEMA FloodSmart (National Flood Insurance Program)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.floodsmart.gov/flood-insurance-cost", "label": "FEMA FloodSmart: how much flood insurance costs", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.twia.org/rates/", "label": "Texas Windstorm Insurance Association rates", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.earthquakeauthority.com/california-earthquake-insurance-policies/earthquake-insurance-premium-calculator", "label": "California Earthquake Authority premium calculator", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://floir.gov/consumers/wind-mitigation-resources", "label": "Florida OIR wind mitigation resources", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.flsenate.gov/Laws/Statutes/2025/627.701", "label": "Florida Statutes 627.701 (hurricane deductible)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.fema.gov/flood-insurance/risk-rating", "label": "FEMA: NFIP's pricing approach (Risk Rating 2.0)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.fema.gov/flood-insurance/risk-rating/profiles", "label": "FEMA: NFIP pricing approach state profiles", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.fema.gov/about/glossary/flood-zones", "label": "FEMA glossary: flood zones", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.fema.gov/about/glossary/zone-ae", "label": "FEMA glossary: Zone AE", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://content.naic.org/insurance-topics/fair-access-to-insurance-requirements-plans", "label": "the authority per jurisdiction per catastrophe peril", "license": "the publisher's own terms; quoted for reporting and comment" } ], "methodology": "Every row is a verbatim sentence read from the named source's own page through the estate's fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2). 3 of the 11 named sources that could be read published a usable figure; 8 published none and are recorded as not published, never filled in; 0 could not be read (blocked, dead or unreachable) and count nowhere. The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source in % (a source's median where its page yielded several accepted sentences), so N counts sources, never sentences; 12 candidate sentence(s) were refused by a reviewer with the reason recorded. Derivation as chartered: one row per jurisdiction per catastrophe peril: the statutory rule (is the cover mandatory, must it be offered, is the deductible a percentage and what percentages are permitted), the residual or public entity's filed rate where one exists, and the NFIP average premium for the zone - quoted from the authority with its effective date. The derived figures are the comparison nobody publishes across jurisdictions and perils together: which states force a percentage hurricane deductible and at what levels, where a peril is available only from a public entity, and the movement in filed rates between reads.", "embed": "

2 to 10 percent

4 published figures, Flood Quake Catastrophe Rates, across 3 sources, read 26 September 2026

Source: HomeCover HQ Flood Quake Catastrophe Rates
" }