| Alabama | 1%-10% of insured value | Loss must come from a named storm. Deductible may be per event, season, or calendar year. |
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| Connecticut | Up to 2% of insured value | Applies to category 1-5 hurricanes, per National Weather Service/National Hurricane Center (NHC) declaration. |
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| Delaware | Percentage or dollar amount | Insurers must disclose in policy documents the deductible trigger, how it will apply the deductible, and — if a percentage — provide an example of the deductible in action. |
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| Florida | Choice of $500, or 2%, 5%, or 10% of insured value | Insurers must show the actual dollar amount for the selected deductible on the policy. |
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| Georgia | Percentage of insured value | N/A |
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| Hawaii | Percentage of insured value | N/A |
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| Louisiana | Specific dollar amount or percentage of insured value | Applies to storms named by the NHC. Deductible applies on a per-year basis, not by event. |
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| Maine | 1%-10% of insured value, or a fixed amount | Applies to National Weather Service (NWS) named storms and may be per event, season, or calendar year. |
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| Maryland | Capped at 5% of insured value (but insurers may request an exception from state regulators) | Applies to NWS-named storms and in any part of the state (not just in areas with a hurricane warning). |
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| Massachusetts | Percentage of insured value (generally 1%-5%), or fixed dollar amount | Generally applies to NWS-named storms but can vary by company. May be per event, season, or calendar year. |
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| Mississippi | Percentage of insured value | Applies to NWS-named storms. Insurers must provide an example of how the deductible works in policy documents. |
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| New Jersey | Up to 5% of insured value if insurer requires the deductible; up to 10% if the deductible is optional | Generally applies to NWS-named storms. |
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| New York | Generally 1%-5%, but may also be a flat fee | Applies to NWS-named storms. |
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| North Carolina | Percentage of insured value | Applies to NWS-named storms and storms named by the National Hurricane Center or World Meteorological Association. |
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| Rhode Island | Capped at 5% of insured value but may also be a flat fee | Applies to NHC-named storms. Insurers must provide policyholders with at least two examples of how the deductible works. |
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| South Carolina | Generally, a percentage of insured value | Varies by company but typically applies to NWS-named storms. Insurers must provide policyholders with an example of how the deductible works. |
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| Texas | Usually 1%-5% of insured value | Generally NWS-named storms but may vary by company. |
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| Virginia | Percentage of insured value, or a flat amount | Generally applies to NWS-named storms. |
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| Washington, D.C. | Percentage of loss based on replacement cost | Generally applies to NWS-named storms but can vary by company. |
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