What your storm deductible actually comes to in dollars, and whether raising your regular deductible is worth the exposure. Estimates only — not a quote.
A typical 1.5% catastrophe deductible on $300,000 of coverage means you pay the first $4,500 of storm damage yourself — 5x the $1,000 deductible that applies to everything else. That is $3,500 more you would need on hand after a named storm than after a kitchen fire.
Shown on North Dakota’s reference coverage level of $300,000. Enter your own coverage above for your number.
No hurricane or named-storm deductible -- North Dakota is landlocked and is not among the 19 states plus DC that use them. What applies here is a percentage wind/hail deductible, and it is a real feature of the market rather than an edge case: North Dakota sits in the northern end of hail alley, the corridor running from eastern Wyoming through the Dakotas, and ranks among the top states nationally for hail frequency and severity. North Dakota permits wind or hail deductibles of 1% to 5% of dwelling coverage, and Insurify's quote-database read puts the average actually written at 1.53% -- about $4,791 at their average North Dakota dwelling limit, which is more than four times the $1,000 flat deductible that applies to everything else. That gap is the single most important thing a North Dakota homeowner can misunderstand about their policy, because hail is also the claim they are most likely to file. In 2024 alone hail caused over $15 million in North Dakota property damage, including a July storm dropping stones up to 4.5 inches. HONEST LIMIT ON THIS FIGURE: the 1.5% comes from one quote-database study. Unlike Florida or Oklahoma there is no statute, no departmental bulletin and no second published prevalence study for North Dakota -- so treat 1.5% as a well-sourced central estimate within a documented 1%-to-5% range, not as a market-wide norm confirmed from multiple directions.
This needs your two real quoted premiums. We deliberately don’t apply a “typical savings” percentage: deductible credits vary by carrier, state, and filing, so a made-up multiplier would give you a break-even that looks precise and isn’t. Ask your insurer to quote both deductibles — it takes one phone call, and the answer is specific to you.
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