Homeowner guide
Wind and hail deductibles: how percentage deductibles work
A percentage deductible can mean thousands of dollars out of pocket after a single hail storm. Here is how to read one before you sign.
How the math works
A percentage deductible is calculated on your dwelling coverage limit, not on the size of the loss. The table below shows what you would pay before coverage begins.
| Dwelling limit | 1% deductible | 2% deductible | 5% deductible |
|---|---|---|---|
| $200,000 | $2,000 | $4,000 | $10,000 |
| $300,000 | $3,000 | $6,000 | $15,000 |
| $400,000 | $4,000 | $8,000 | $20,000 |
| $500,000 | $5,000 | $10,000 | $25,000 |
Where percentage deductibles are common
They are widespread in hail-prone states and coastal areas. In our service area, homeowners in Texas, Arkansas, South Dakota, Indiana, and the high plains of other states often see separate wind or hail deductibles. Gulf-coast Texas policies may also carry named-storm deductibles, and some wind coverage near the coast is provided through the Texas Windstorm Insurance Association.
Wind, hail, or both
Read the wording. Some policies apply the percentage deductible to wind and hail together; others apply it to hail only or to named storms only. The definitions decide which deductible applies after a mixed event like a thunderstorm with both wind and hail.
Choosing a deductible
- Calculate the dollar amount at each percentage, using your actual dwelling limit.
- Compare the premium savings against that amount.
- Consider your roof age: an older roof is more likely to need replacement after hail.
- Keep an emergency fund that covers the deductible.
Ways to reduce wind and hail losses
- Impact-resistant roofing
- Hurricane straps and roof-to-wall connections
- Wind-rated garage doors
- Trimming trees near the house
- Securing outdoor furniture before storms
Keep reading
- Homeowners insurance cost by state
- HO-3 vs. HO-5
- Replacement cost vs. actual cash value
- Roof age and home insurance
- Wind and hail deductibles
Find your state
Frequently asked questions
Can I choose a flat-dollar wind and hail deductible?
Sometimes. Availability varies by insurer and location. Where percentage deductibles are mandatory, you may be able to choose among 1%, 2%, or higher.
Does the wind or hail deductible apply to every claim?
No. It applies only to losses caused by the specified perils. Other claims use your regular all-perils deductible.
What is a named-storm or hurricane deductible?
A separate percentage deductible that applies to damage from a named tropical storm or hurricane, common along the Texas Gulf coast.
Reviewed and updated October 15, 2026 · Our research methods