Louisiana Hurricane Deductible Calculator
In Louisiana, your hurricane deductible is a percentage of your dwelling coverage — not a flat $500 or $1,000. See what that really means in dollars, free and with no signup.
The insured limit on your policy declarations page — not your home's market or purchase price. Using market value here will give the wrong number.
Look for the separate “hurricane” or “named storm” deductible on your declarations page — usually 1%–5% in Louisiana.
Enter your dwelling coverage above to see what you'd pay out of pocket before your policy begins paying.
This is an educational estimate of how a percentage deductible is calculated — not a quote, a coverage determination, or insurance advice. Your actual deductible, trigger, and coverage are defined in your policy. Flood damage is covered separately under NFIP, not this deductible.
How Louisiana's hurricane deductible works
It's a percentage, not a flat fee. Your hurricane or named-storm deductible is a share of your Coverage A dwelling limit — the insured value of the structure on your declarations page, typically 1%–5% in Louisiana. On a $300,000 dwelling limit, a 5% deductible is $15,000 out of pocket before coverage begins. It is not based on your home's market price or the size of the claim.
Named storm vs. hurricane. A named-storm deductible triggers the moment the National Hurricane Center names a system — subtropical storm, tropical storm, or hurricane. A hurricane deductible triggers on a narrower condition, usually a declared hurricane or a wind-speed threshold. Which one you have, and its exact trigger, is defined in your policy.
One deductible per season. Under Louisiana law (La. R.S. 22:1337), the named-storm/hurricane deductible applies once per calendar year, not once per storm. If a second named storm hits the same year, the insurer applies only the remaining deductible (or your all-other-perils deductible, whichever is greater).
Flood is separate. This deductible is for wind and named-storm damage on a homeowners policy. Flooding and storm surge are not covered here — that requires a separate NFIP flood policy with its own deductible.
For the full walkthrough — with a cost example, how to read your declarations page, and what to do after a storm — see How Louisiana's hurricane deductible works.
Common questions
- How is a hurricane deductible calculated in Louisiana?
- It's a percentage of your dwelling coverage (Coverage A on your policy declarations page), not a flat dollar amount and not your home's market value. Louisiana percentages are typically 1% to 5%. For example, a 3% deductible on $300,000 of dwelling coverage means you pay $9,000 out of pocket before your insurer pays anything on a named-storm or hurricane claim.
- What's the difference between a hurricane deductible and a named-storm deductible?
- A named-storm deductible triggers as soon as the National Hurricane Center assigns a name to a storm — whether it becomes a subtropical storm, tropical storm, or hurricane. A hurricane deductible has a narrower trigger, usually tied to a declared hurricane or a wind-speed threshold. The exact trigger is spelled out in your individual policy, so check your declarations page.
- Do I pay the hurricane deductible again for each storm?
- Not in Louisiana. Under La. R.S. 22:1337, the named-storm or hurricane deductible applies once per calendar year. If a second named storm damages your home the same year, the insurer can only apply the remaining amount of your deductible (or your all-other-perils deductible, whichever is greater) — not a fresh full deductible.
- Does the hurricane deductible cover flood damage?
- No. A homeowners or wind policy — and its hurricane deductible — does not cover flood. Flood damage is covered separately under a National Flood Insurance Program (NFIP) policy, which has its own separate deductible. Storm surge and rising water are flood, not wind.
- Where do I find my deductible on my policy?
- Look at your policy declarations page (often the first page). It lists your Coverage A dwelling limit and any separate hurricane, named-storm, or wind/hail deductible — usually shown as a percentage. If it isn't clear, your insurance agent or company can confirm both the percentage and the trigger.
Sources
The rules above come from Louisiana's hurricane-deductible statute plus national insurance references. This tool is educational and not insurance advice — confirm your specific deductible, trigger, and coverage with your policy declarations and your insurer or agent.
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