Does Homeowners Insurance Cover Wind Damage?

Yes — wind is a covered peril on standard policies, though high-wind states may apply a separate windstorm or hurricane deductible.

By the Home & Dime Editorial Team · Updated 2026

Covered

• Roof, siding, and window wind damage.
• Interior damage from wind-driven rain through a breach.

Watch for

• Separate wind/hurricane deductibles in coastal states.
• Some coastal areas exclude wind (needs a separate policy).

Frequently asked questions

Is there a special deductible?

In high-wind states, yes — a percentage-based wind deductible.

Is hurricane wind covered?

Usually yes, subject to a hurricane deductible.

Related guides

• Does homeowners insurance cover hurricane damage?

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