Calculator inputs
Enter details, then calculate. Results appear above this form after submission.
Example data table
Sample scenarios to illustrate how inputs can shift the estimate.
| Scenario | Coverage | Wind zone | Coast (miles) | Roof age | Mitigation | Deductible | Est. annual |
|---|---|---|---|---|---|---|---|
| Balanced profile | $350,000 | 3 | 8 | 8 yrs | Some | 2% | $3,800 |
| High exposure coast | $350,000 | 4 | 1 | 12 yrs | None | 2% | $6,900 |
| Strong mitigation | $400,000 | 4 | 5 | 5 yrs | Full | 5% | $4,900 |
| Older roof + claims | $300,000 | 3 | 10 | 25 yrs | Partial | 2% | $5,700 |
| Higher deductible | $350,000 | 3 | 8 | 8 yrs | Some | 8% | $3,200 |
Formula used
This estimator models an annual premium using a base rate tied to wind exposure, then applies multiplicative risk and credit factors. It also adds optional taxes and fees.
1) Adjusted coverage limit
AdjustedCoverage = CoverageLimit × (1 + InflationGuard%/100)
2) Base premium
BasePremium = AdjustedCoverage × ZoneRate × CoastFactor
3) Risk multiplier
RiskMultiplier = Building × Construction × RoofShape × RoofAge × RoofMaterial × Openings × Mitigation × Deductible × Claims × Occupancy
4) Modeled premium and totals
Modeled = BasePremium × RiskMultiplier
PreTax = max(Modeled, MinimumPremium)
TotalAnnual = PreTax + (PreTax × Tax%/100) + PolicyFee
Zone rates and factors here are simplified to demonstrate sensitivity, not replicate any insurer filing.
How to use this calculator
- Enter a coverage limit that matches your dwelling coverage goal.
- Select the wind zone and distance to the coast to reflect exposure.
- Choose construction and roof details; older roofs generally raise cost.
- Apply mitigation features if you have verified protections installed.
- Set the hurricane deductible percentage and recent claim count.
- Click Calculate premium to view results above the form.
- Use the CSV or PDF buttons to save a report for your records.
Premium model overview
This calculator estimates annual hurricane premium from coverage, exposure, and property risk. It starts with a wind-zone base rate from 0.35% to 1.05% of adjusted coverage, then applies a coast factor from 0.95 to 1.35. Multipliers for construction, roof profile, and occupancy refine the modeled premium before minimum premium, tax, and policy fee are added.
Wind exposure and distance effects
Wind zones represent broad hazard intensity. Moving from Zone 3 (0.60%) to Zone 4 (0.80%) raises the base rate by one‑third. Distance matters too: a home within 1 mile uses 1.35×, while 10 miles uses 1.15× and 25+ miles uses 0.95×. These two inputs typically drive the largest change in the estimate.
Roof and construction sensitivity
Structural details change loss severity. Frame construction is modeled at 1.15×, while reinforced is 0.90×. A hip roof receives 0.90× versus 1.00× for gable, reflecting improved wind performance. Roof age increases cost: 0–5 years uses 0.90×, 11–20 uses 1.10×, and 20+ uses 1.25×. Metal roofs are modeled at 0.92×.
Deductible and claims behavior
Hurricane deductibles are expressed as a percentage of coverage. The model applies a deductible factor roughly from 1.03 at 1% down to about 0.76 at 10%, capped between 0.75 and 1.05. Claims in the past five years add loading: 1 claim is 1.10×, 2 claims is 1.25×, and 3+ claims is 1.45×. Use the chart to see deductible impact instantly.
Mitigation credits and reporting
Mitigation credits compound: roof straps reduce by 5%, secondary water resistance by 4%, and a reinforced garage door by 3%. Together they can reduce modeled premium by about 11.5% (0.95×0.96×0.97). Exports capture inputs, factors, and totals for review. Use the CSV for spreadsheet analysis and the PDF for documentation when comparing multiple properties or policy options. Use it during renewal budgeting.
FAQs
Is this an insurance quote?
No. It is an educational estimator that shows how common rating drivers can change premiums. Insurers use filed rates, inspections, and underwriting rules that may produce very different pricing.
What does the wind zone represent?
Wind zone is a simplified hazard tier. Higher zones apply higher base rates to the adjusted coverage limit. Use the tier that best matches your area’s hurricane wind exposure and building code environment.
How does distance to the coast affect results?
The calculator applies a coast factor that increases when the property is closer to shore. For example, within 1 mile uses 1.35×, while 25+ miles uses 0.95×, holding other inputs constant.
How can I see deductible impact quickly?
After calculating, the Plotly chart shows estimated annual premium across deductible levels from 1% to 10% using your other inputs. Higher deductibles usually reduce the modeled premium, subject to the minimum premium floor.
Are mitigation discounts added or multiplied?
They are multiplied in this model. Selecting multiple features compounds the credit (for example, 0.95×0.96×0.97). This mirrors how many rating plans apply separate credits to a base premium.
Can I export my results for records?
Yes. Use the CSV to analyze multiple scenarios in a spreadsheet and the PDF for a quick summary. Downloads reflect the most recent calculation stored in your session.