Phase 2 — anchored by 2-20 / 6-20

Florida Insurance Calculators

Property and casualty calculators for Florida: wind-mitigation credits, hurricane deductibles, flood, HO-6, replacement cost. Reviewed against current OIR filings and NFIP guidance.

Anchored to: OIR filings, NFIP RR 2.0, F.S. § 627; 2-20 and 6-20 licenses (DFS)

1 calculator live. Reviewed against current Florida law. Last updated 2026-05-14.

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F.S. § 627.0629

Florida Wind Mitigation Insurance Credit Calculator

Compute the Florida wind-mitigation insurance credit you qualify for under F.S. § 627.0629. The discount applies to the windstorm portion of your premium and is based on construction features documented on Florida OIR Form OIR-B1-1802. Stacked discounts can approach 60% of windstorm premium on the best-rated homes.

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Grouped by who tends to use each tool. Many calculators serve more than one audience.

For unit owners

Verify a notice, check a fine, or understand the lien exposure on a delinquent account before acting.

Florida Wind Mitigation Insurance Credit Calculator
Compute the Florida wind-mitigation insurance credit you qualify for under F.S. § 627.0629. The discount applies to the windstorm portion of your premium and is based on construction features documented on Florida OIR Form OIR-B1-1802. Stacked discounts can approach 60% of windstorm premium on the best-rated homes.

For buyers, agents & lenders

Affordability with Florida-specific risk-adjustment for SIRS reserves and the post-2022 insurance market.

Florida Wind Mitigation Insurance Credit Calculator
Compute the Florida wind-mitigation insurance credit you qualify for under F.S. § 627.0629. The discount applies to the windstorm portion of your premium and is based on construction features documented on Florida OIR Form OIR-B1-1802. Stacked discounts can approach 60% of windstorm premium on the best-rated homes.

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LCAM, 2-20, 6-20

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How these calculators are maintained

Every YMYL calculator is reviewed quarterly and after every Florida legislative session. Citations are link-validated monthly against Online Sunshine. The methodology page documents the discipline.

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