Does Homeowners Insurance Cover Hurricane Damage?

Homeowners insurance covers hurricane wind damage (with a hurricane deductible), but not the flooding and storm surge — those need separate flood insurance.

By the Home & Dime Editorial Team · Updated 2026

Covered

• Wind damage to roof, walls, windows.
• Wind-driven rain through wind-created openings.

Not covered

• Storm surge and flooding (needs flood insurance).

Frequently asked questions

Is storm surge covered?

No — that’s flooding; you need flood insurance.

What’s a hurricane deductible?

A separate, percentage-based deductible for named-storm damage.

Related guides

• What does flood insurance cover?
• Does homeowners insurance cover wind damage?

Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.