The dwelling coverage amount.
The limit to rebuild the structure. Percentage deductibles are calculated on this number, not on the size of the claim.
See the definitions in the glossary →Free Houston storm tool
Updated September 3, 2026Storm Deductible Calculator for Houston.
In Texas, the wind and hail deductible on a homeowners policy is almost always a percentage of the dwelling coverage, not a flat amount. Type the numbers from your declarations page and see what you would pay first on a covered claim. Nothing is saved or sent.
3 numbers from your declarations page$0 free, no email or sign-upPrivate everything stays in your browserEN/ES bilingual Houston office
The calculator
Type what your declarations page says.
Find the Coverage A (dwelling) line and the deductible lines. If the page is not handy, use a round number — the point is to see the scale in dollars, not to price anything.
The basics
Three lines on your declarations page decide this.
The calculator uses only three facts. Each one has a definition in the site's bilingual glossary.
The wind and hail deductible.
In Texas this is usually 1%, 2%, 3%, or 5% of Coverage A, though some policies use a flat amount. It is what you pay first on a hail or windstorm claim.
See the definitions in the glossary →The named-storm or hurricane deductible.
Some policies carry a second, often higher, deductible that applies only when the event is a named storm. Not every policy has one.
See the definitions in the glossary →Common questions
What people ask about storm deductibles.
What is a percentage deductible?
A deductible written as a percentage of the dwelling coverage amount (Coverage A) rather than a flat dollar figure. A 2% deductible on $300,000 of dwelling coverage is $6,000, and it is $6,000 whether the covered claim is for a roof or the whole house.
Is the wind/hail deductible the same as a hurricane or named-storm deductible?
Not always. Many Texas policies carry one wind and hail deductible for all windstorms; some carry a separate, often higher, named-storm or hurricane deductible that applies only when a named storm is declared. The declarations page shows which you have.
Does the deductible apply per storm or per year?
Usually per claim (per occurrence). Two separate hail storms with two separate claims generally mean the deductible applies to each. Your policy wording controls.
Does a lower deductible always cost more?
Generally a lower deductible means a higher premium, and a higher deductible a lower premium, because you are taking on more of the first dollars. How much the premium changes depends on the company, the home, and underwriting. This calculator does not estimate premiums.
Does flood have its own deductible?
Yes. Flood is a separate policy (NFIP or private) with its own building and contents deductibles chosen when the policy is bought. A homeowners deductible does not apply to flood damage.
Is this a quote?
No. It is arithmetic on numbers you enter. It does not price a policy, decide eligibility or coverage, or send your numbers anywhere.
Next step
Want to review the deductible you have today?
Have the declarations page nearby and call or text. The review is in English or Spanish, and the goal is that you understand what you would pay before deciding on any change.
Scope
What this tool does and does not do.
This tool is general education for Houston-area readers. It performs arithmetic on numbers you enter. It is not a quote, a premium estimate, an eligibility decision, an offer of coverage, or financial, tax, or legal advice.
It does not decide whether a loss is covered or which deductible applies to a specific storm — your policy's terms, endorsements, and the insurance company determine that.
Nothing you enter is saved, stored, transmitted, or used to identify you. The result is generated in your browser and is gone when you close the page.
Coverage is based on selections made and is subject to terms, conditions, limits, availability, underwriting, and qualifications. Text frequency may vary; message and data rates may apply. Consent to texts is not a condition of purchase.