A hurricane or named storm deductible is the amount you pay before your policy pays a claim caused by a named storm. In North Carolina it is typically a percentage of your dwelling coverage, not a flat dollar amount. A 2% deductible on a home insured for $300,000 means the first $6,000 is yours.
Pick your town or county to see the typical yearly home insurance premium our own clients pay, from the policies we write and service.
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Typical means the median: half of policyholders pay less, half pay more. The headline number is for a home insured for $250,000 to $400,000; the table shows every size of home. Source: Sizemore Insurance clients' in-force policies as of October 9, 2026, not a survey or national average (how we got these numbers). Not a quote.
Most deductibles are a flat number, like $1,000. A hurricane or named storm deductible is usually a percentage of your Coverage A, the dwelling limit on your declarations page. The North Carolina Department of Insurance gives this example: a 2% named storm deductible on a home insured for $300,000 equals $6,000.
Some policies use a percentage wind and hail deductible instead, which applies to every wind or hail claim, not just named storms. The Department's example there: a 1% wind and hail deductible on $200,000 of coverage is $2,000 per claim.
A named storm deductible applies when the damage comes from a weather event involving wind that has been given a formal name by the National Hurricane Center, the National Weather Service or another recognized meteorological body. That includes tropical storms, not only hurricanes. Policies word their triggers differently, so two policies showing the same percentage can respond differently to the same storm. Read the exact wording on yours.
The percentage is applied to the dwelling limit, not to the size of the claim. As your dwelling limit rises to keep up with rebuilding costs, your storm deductible rises with it. A 5% deductible on a $400,000 dwelling limit is $20,000.
On the coast, a home with a separate wind policy can carry a percentage deductible on the wind policy and a regular deductible on the homeowners policy, plus a separate flood deductible. Know all three before June.
Sometimes. Companies offer different percentages at different prices, and some offer a flat dollar option. The trade is premium now against cash after a storm. We can show you the price difference and the dollar amount of each choice across several companies, so you pick a deductible you could actually pay.
If you're comparing quotes, line the deductibles up in dollars, not percentages, so you're comparing like with like.
Every situation is a little different. If you want someone to look at your own policy, call us at (910) 791-1011 or start a quote online. We're an independent, family-owned company founded in 1977, with eight offices in North Carolina, and we're licensed in North Carolina, South Carolina, Virginia and Maryland.
This page is general information, not a coverage determination or legal advice. Policies, rules and availability vary and change. Review your own policy or talk to your advisor.