Renters insurance with flood coverage (4 sources)
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.
The median is unchanged since 25 September 2026 (was 9.50 percent across 4).
By rule
| Breakdown | Median | Range | Sources |
|---|---|---|---|
| rule TWIA 2026 rate adequacy, residential | 9 % | 9 to 9 % | 1 |
| rule TWIA filed rate increase | 10 % | 10 to 10 % | 1 |
| rule Florida personal lines hurricane deductible option | 500 USD | 500 to 500 USD | 1 |
| rule Florida commercial residential hurricane deductible offered | 10 % | 10 to 10 % | 1 |
| rule Florida roof deductible cap | 2 % | 2 to 2 % | 1 |
| rule Florida wind mitigation discount review cycle | 5 year | 5 to 5 year | 1 |
Every figure, with its source
One row per source: the figure the source's own page publishes, the page, and the day it was read. A figure that is not on a page we read is not on this one.
| Source | Figure | Breakdown | Read |
|---|---|---|---|
| Florida Statutes 627.701 (hurricane deductible) | 500 USD | Florida personal lines hurricane deductible option | 2026-09-19 |
| Texas Windstorm Insurance Association rates | 10 % | TWIA filed rate increase | 2026-09-19 |
| Florida Statutes 627.701 (hurricane deductible) | 10 % | Florida commercial residential hurricane deductible offered | 2026-09-19 |
| Texas Windstorm Insurance Association rates | 9 % | TWIA 2026 rate adequacy, residential | 2026-09-19 |
| Florida OIR wind mitigation resources | 5 year | Florida wind mitigation discount review cycle | 2026-09-19 |
| Florida Statutes 627.701 (hurricane deductible) | 2 % | Florida roof deductible cap | 2026-09-19 |
The sentence each figure was read from (6)
- Florida Statutes 627.701 (hurricane deductible), read 2026-09-19:
(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.
- Texas Windstorm Insurance Association rates, read 2026-09-19:
*TWIA filed a 10% rate increase with TDI.
- Florida Statutes 627.701 (hurricane deductible), read 2026-09-19:
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.
- Texas Windstorm Insurance Association rates, read 2026-09-19:
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.
- Florida OIR wind mitigation resources, read 2026-09-19:
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.
- Florida Statutes 627.701 (hurricane deductible), read 2026-09-19:
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.
Read in full, publishes no figure
8 named sources were read in full on the dates shown and print no usable figure. They are counted, never filled in.
- FEMA FloodSmart (National Flood Insurance Program), read 2026-09-12: read in full and no accepted figure on the page
- FEMA FloodSmart: how much flood insurance costs, read 2026-09-12: read in full and no accepted figure on the page
- California Earthquake Authority premium calculator, read 2026-09-19: read in full and no accepted figure on the page
- FEMA: NFIP's pricing approach (Risk Rating 2.0), read 2026-09-19: read in full and no accepted figure on the page
- FEMA: NFIP pricing approach state profiles, read 2026-09-19: read in full and no accepted figure on the page
- FEMA glossary: flood zones, read 2026-09-19: read in full and no accepted figure on the page
- FEMA glossary: Zone AE, read 2026-09-19: read in full and no accepted figure on the page
- the authority per jurisdiction per catastrophe peril, read 2026-09-12: every candidate on the page was refused
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.
12 candidate sentences on these pages were refused by a reviewer; each refusal and its reason is recorded in the review ledger.
Sources (11)
- FEMA FloodSmart (National Flood Insurance Program) (the publisher's own terms; quoted for reporting and comment)
- FEMA FloodSmart: how much flood insurance costs (the publisher's own terms; quoted for reporting and comment)
- Texas Windstorm Insurance Association rates (the publisher's own terms; quoted for reporting and comment)
- California Earthquake Authority premium calculator (the publisher's own terms; quoted for reporting and comment)
- Florida OIR wind mitigation resources (the publisher's own terms; quoted for reporting and comment)
- Florida Statutes 627.701 (hurricane deductible) (the publisher's own terms; quoted for reporting and comment)
- FEMA: NFIP's pricing approach (Risk Rating 2.0) (the publisher's own terms; quoted for reporting and comment)
- FEMA: NFIP pricing approach state profiles (the publisher's own terms; quoted for reporting and comment)
- FEMA glossary: flood zones (the publisher's own terms; quoted for reporting and comment)
- FEMA glossary: Zone AE (the publisher's own terms; quoted for reporting and comment)
- the authority per jurisdiction per catastrophe peril (the publisher's own terms; quoted for reporting and comment)
Cite or embed this figure
Cite or embed this figure
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).
Cite as: "HomeCover HQ Flood Quake Catastrophe Rates", updated 2026-09-26, https://homecoverhq.com/datasets/flood-quake-catastrophe-rates/.
Download the CSV (6 rows, computed 2026-09-26)