Best hurricane insurance in 2026

The best home insurance companies for hurricane insurance

Shopping for home insurance in a hurricane-prone area is stressful; coverage is hard to find, rates are climbing and some companies are leaving the highest-risk areas like Florida.

To help you find a great insurance company to protect you from hurricanes, we looked at availability in the states most affected by hurricanes and compared them on the average cost of a home insurance policy in those states. We also looked at each company’s reputation for claims satisfaction using J.D. Power’s annual Property Claims Satisfaction survey and its AM Best rating. Finally, we reviewed the flood insurance options available from each company. The editors made the final decision for each category based on these metrics.

Best overall: Amica

Why we chose it: Amica writes home insurance in every hurricane-prone state. It has been at the top J.D. Power’s list of the best home insurance companies overall more than 10 times and has been No. 1 for claims satisfaction more than 20 times. It has some of the cheapest rates among major insurance companies for policies, including a hurricane deductible. Although it doesn’t participate in the NFIP’s WYO program, it assists customers in finding the flood insurance they need through the NFIP or a private flood insurer.

Pros:

Affordable rates
Excellent reputation for customer service and claims
Offers flood insurance through partnerships

Cons:

No direct WYO flood or private flood option

AM Best rating: A+

J.D. Power claims satisfaction rating: 705/1,000*

Average rate with hurricane deductible: $1,502

Best for cheap rates: National General

Why we chose it: With an average rate of $1,279 a year, National General is one of the cheapest options and the cheapest nationwide home insurance company. It writes home insurance policies in every state along the Gulf and East coasts. National General also participates in the NFIP WYO program and offers private flood insurance in 30 states. As an Allstate company, it’s backed by one of the most stable companies in the industry.

Pros:

Cheap rates
Backed by Allstate, the second-largest home insurance company in the U.S.
Two options for flood insurance: NFIP or private

Cons:

Below average rating with J.D. Power

AM Best rating: A+

J.D. Power claims satisfaction rating: 576/1,000

Average rate with hurricane deductible: $1,279

Best for high-value homes: Chubb

Why we chose it: Chubb is one of the best-known names in high-value home insurance, with a comprehensive home insurance program and its own private flood insurance program that offers dwelling limits of up to $15 million. It writes home insurance in all 50 states, meaning it’s available in all hurricane-prone states. Chubb has the best possible AM Best score, important for a company offering high coverage limits.

AM Best rating: A++

J.D. Power claims satisfaction rating: 677/1,000

Average rate with hurricane deductible: $1,959

Pros:

One of the highest coverage limits available for private flood insurance
High-value home insurance policies include replacement cost coverage for contents
Low rates

Cons:

Online quoting is not available

Best in Florida: State Farm

Why we chose it: State Farm has the cheapest home insurance rates in Florida of the companies we surveyed, and agents can write flood insurance through the NFIP WYO program for complete coverage. In an expensive market, State Farm continues to offer Florida homeowners affordable home insurance coverage from a stable company.

Pros:

Low rates in Florida
Strong financial standing
Agents can work with the NFIP Write-Your-Own flood insurance program

Cons:

No option for private flood insurance providing higher limits

AM Best rating: A+

J.D. Power claims satisfaction rating: 657/1,000

Average rate with hurricane deductible in Florida: $4,654

Best for an all-in-one policy: Kin Insurance

Why we chose it: Kin writes flood insurance as an add-on to a homeowners insurance policy, an uncommon option that makes it an easy choice for simple coverage in one place. Kin advertises its flood insurance endorsement at an average cost of $175 a year (for Zone X, moderate- to low-risk.)

It’s a lesser-known company and a newcomer to the industry, and as a result, it’s not rated by either AM Best or J.D. Power, and we don’t have average rates to compare for this company. However, Kin states it’s backed by reinsurers with AM Best ratings of A- or higher.

However, Kin is working to expand its coverage through the Kin Interinsurance Nexus Exchange and currently offers coverage in major hurricane-prone states, including Florida, Louisiana, Alabama, Texas, Georgia and South Carolina.

Pros:

Offers flood insurance as an endorsement on the home insurance policy
Focuses on the needs of homeowners in high-risk states like Florida
Keeps rates low with a direct sales model

Cons:

Newer company that is not rated by most third-parties
No agents

Ratings not available.

What are the cheapest companies for hurricane insurance?

While all of the companies above were selected based on multiple factors that make them stand out, we also gathered a list of the cheapest home insurance companies overall. All of these companies offer home insurance with a hurricane deductible, but not all offer coverage in every state where hurricanes strike.

The rates below are only for home insurance and don’t include flood insurance. They are based on coverage of $300,000 for dwelling and liability, a $1,000 standard deductible, and a 2% hurricane deductible. Averages include all states and ZIP codes where that company offers coverage; some are much higher because they include rates in the highest-risk areas where others may not offer coverage.

Company	Average annual rate
Cumberland Insurance	$1,014
Franklin Mutual	$1,142
NJM	$1,201
Vermont Mutual	$1,201
NYCM Insurance	$1,265
National General	$1,279
American Family	$1,293
Virginia Farm Bureau	$1,369
Frankenmuth Insurance	$1,380
Plymouth Rock Assurance	$1,466
Amica	$1,502
Andover Insurance	$1,555
Quincy Mutual	$1,565
Arbella Insurance	$1,692
MMG Insurance	$1,764
Mapfre Insurance	$1,799
Safety Insurance	$1,851
AIG	$1,887
North Carolina Farm Bureau	$1,957
Chubb	$1,959
PURE	$2,022
Travelers	$2,086
USAA	$2,236
The Hanover	$2,252
Auto-Owners	$2,470
Allstate	$2,518
Erie Insurance	$2,643
Farmers	$2,734
State Farm	$2,745
Country Financial	$3,170
Nationwide	$3,247
Heritage Insurance Holdings	$3,436
South Carolina Farm Bureau Mutual	$3,847
Georgia Farm Bureau	$4,062
Progressive	$4,531
Alfa Insurance	$5,031
Security First Insurance	$5,050
Citizens Property Insurance	$5,682
HCI Group Inc	$7,002
Universal Insurance Holding	$9,010
Louisiana Farm Bureau	$9,513

Read our methodology

**Citizens Insurance is Florida’s insurer of last resort.

Cheapest companies for hurricane insurance by state

State Farm is the cheapest company for a home insurance policy with a 2% hurricane deductible in five of the 19 states where these deductibles are used, more than any carrier. Small carriers, like Cumberland Insurance (Delaware) and Vermont Mutual (Maine), also make the list.

Find the cheapest carrier for home insurance with hurricane coverage in your state below. Rates are based on $300,000 in dwelling coverage, $300,000 in liability, a $1,000 deductible for all other perils and a 2% hurricane deductible.

State	Cheapest carrier	Average annual rate
Alabama	State Farm	$3,099
Connecticut	USAA	$1,265
Delaware	Cumberland Insurance	$1,014
Florida	State Farm	$4,654
Georgia	Allstate	$1,695
Louisiana	Farmers	$2,635
Massachussets	Heritage Insurance Holdings	$990
Maryland	State Farm	$1,318
Maine	Vermont Mutual	$767
Mississippi	USAA	$1,802
North Carolina	State Farm	$1,212
New Hampshire	Amica	$815
New Jersey	National General	$1,036
New York	American Family	$1,093
Pennsylvania	Allstate	$1,218
Rhode Island	State Farm	$1,396
South Carolina	Progressive	$1,858
Texas	USAA	$3,233
Virginia	American Family	$1,054

Read our methodology

Methodology

To derive the average rates data from Quadrant Information Services was used, filtering out only the states and companies with hurricane deductibles to reflect coverage in hurricane-prone areas. Rates are for dwelling coverage and liability at $300,000 with a $1,000 standard deductible and a 2% hurricane deductible.

The editors reviewed AM Best and J.D. Power ratings and the list of companies that offer WYO policies provided by the NFIP. Insurance company websites were used to determine coverage areas and flood insurance offerings outside the NFIP WYO program. Category winners were chosen by the editors based on all available information for each company.

*J.D. Power’s industry average was 682 in 2025, the most recent study.

FAQ: Hurricane insurance

What is hurricane insurance?

Hurricane insurance is a combination of policies that protect you from the main causes of hurricane damage, windstorms and flooding. The two main policies are homeowners insurance and flood insurance, but in some states, windstorm coverage must be added to your home policy.

“People should check their homeowners policy to figure out whether such perils as wind or hail are excluded from their policy due to the fact that they live in a hurricane-prone area,” Yao says.

What kind of insurance do you need for a hurricane?

To cover all of the damage a hurricane can cause, you need a homeowners insurance policy that covers windstorms, which may require an endorsement or, in some cases, a separate policy. You also need flood insurance, which will pay for damage done by overland flooding. Homeowners insurance never covers flooding.

“Wind insurance is a special insurance policy that protects homeowners from losses resulting from windstorms including tornadoes and hurricanes. It provides comprehensive coverage for damages to the dwelling and personal properties caused by windstorms,” Yao says.

How does a 2% hurricane deductible work?

If you have a 2% hurricane deductible, you will pay 2% of your policy’s dwelling coverage amount when you file a claim for a hurricane. So, if you have $200,000 in dwelling coverage, you’ll pay $4,000.

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