A named storm deductible is a separate deductible for wind and hail damage during a named storm. It is typically a percentage of your home's value, not a flat dollar amount. To find what you would pay first, multiply that percentage by the dwelling coverage on your policy.
Hurricane season opens June 1, so now is the time to look. Scott Insurance Services is an independent agency in Flowood, Mississippi, here since 1954. We write homeowners insurance across the state.
When does the named storm deductible apply?
Mississippi has a rule for homeowners policies from licensed, or admitted, insurers. The named storm deductible starts when the first named storm watch or warning is issued for any part of the state. It ends 24 hours after the last watch or warning ends.
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Starts when the first named storm watch or warning is issued for any part of the state
Mississippi has a rule for homeowners policies from licensed, or admitted, insurers.
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Ends 24 hours after the last watch or warning ends
During that window it applies to wind, wind gusts, hail, rain, tornado or cyclone damage.
Windpool and surplus lines policies are not covered by that rule, so read your own policy.
A 2025 bill to revise the hurricane deductible, House Bill 1479, died in committee. The rule above still stands. These figures were checked in October 2026.
Does homeowners insurance cover hurricane damage?
There is no separate hurricane policy. The Mississippi Insurance Department says a standard homeowners policy covers wind and hail, but not flood.
Read your policy for a windstorm exclusion. The department's hurricane checklist tells homeowners to make sure their policy does not include one. Flood needs its own policy, and a new flood policy usually waits 30 days to start.
What if no insurer will write wind on my coastal home?
It is for property the private market declines. A licensed Mississippi resident agent applies for you, with documented declinations from licensed insurers. The windpool covers wind and hail only, not flood. It also will not bind new or increased coverage while a named storm is in the Gulf. These figures were checked in October 2026.
Can a FORTIFIED roof lower my premium?
It can. Mississippi law requires insurers to give discounts for homes built or upgraded to IBHS standards. Insurers have filed discounts of 15 to 30 percent with the state. Ask your agent what your insurer gives. These figures were checked in October 2026.
Mississippi law requires insurers to give discounts for homes built or upgraded to IBHS standards
- 15 to 30 percent Insurers have filed discounts
Ask your agent what your insurer gives.
Source: Mississippi Insurance Department, Understanding premiums and rates in Mississippi (modified 2026-09-10)
How do I get ready before a storm?
Questions Mississippi homeowners ask about storm deductibles
Is a named storm deductible the same as my regular deductible?
No. It is a separate deductible for wind and hail during a named storm. It is typically a percentage of the home's value.
Does the named storm rule apply to windpool policies?
No. Mississippi's rule does not apply to windpool policies or to homeowners policies from non-admitted insurers. Read your own policy for its terms. This rule was checked in October 2026.
Did Mississippi change the hurricane deductible in 2025?
No. A 2025 bill to revise the hurricane deductible, House Bill 1479, died in committee. This rule was checked in October 2026.
Who can apply for windpool coverage for me?
A licensed Mississippi resident agent applies for you. You will need documented declinations from licensed insurers. This rule was checked in October 2026.
Know your number before the storm
A deductible is easier to plan for in June than after a storm. Cheaper is not always better, so we can lay the quotes side by side and show each deductible in dollars. As an independent agency, we can quote more than one insurance company, so you can compare without any pressure. We can walk you through every detail, so you understand what you are paying for. If you have hit dead ends finding wind coverage on the coast, call us. If you have a claim and your policy is with us, we will go to bat for you.
See our homeowners insurance, commercial property insurance and flood insurance pages.
Sources
- Mississippi Insurance Department, hurricane season press release, May 27, 2025
- Mississippi Insurance Department, Regulation, Part 1 Chapter 41 (named storm deductibles)
- Mississippi Insurance Department, Consumer hurricane checklist
- Mississippi Insurance Department, Understanding premiums and rates in Mississippi
- Mississippi Legislature, House Bill 1479 (2025) history
- Mississippi Windstorm Underwriting Association, MWUA and FAQs
- FEMA FloodSmart, Buy a policy
