What Is a Wind‑Only Policy? (Florida Coastal Insurance Explained)
A wind‑only policy is a type of insurance that covers hurricane and windstorm damage for homes in Florida’s coastal and high‑risk wind zones. These policies are typically offered through Citizens Property Insurance Corporation when private carriers refuse to insure the wind portion of a home.
Wind‑only coverage is common in coastal counties where hurricane exposure is highest and private insurers limit their risk.
What a Wind‑Only Policy Covers
Wind‑only policies cover damage caused by:
- Hurricanes
- Tropical storms
- Tropical depressions
- High winds
- Wind‑driven rain (when wind creates an opening)
This coverage protects the structure of the home, roof, and attached components from wind‑related losses.
What a Wind‑Only Policy Does NOT Cover
Wind‑only policies do not cover:
- Fire
- Theft
- Water damage not caused by wind
- Flooding (requires separate flood insurance)
- Liability
- Personal property
Homeowners must pair a wind‑only policy with a separate homeowners or dwelling policy to get full protection.
Why Wind‑Only Policies Exist in Florida
Florida’s coastal regions face some of the highest hurricane risk in the country. As a result, many private insurers:
- Exclude wind coverage
- Decline homes near the coast
- Require separate wind policies
When private carriers won’t insure the wind portion, Citizens steps in as the insurer of last resort.
Who Needs a Wind‑Only Policy?
You may need a wind‑only policy if:
- Your home is in a coastal county
- Your private insurer excludes wind coverage
- Your home is older or has a roof that doesn’t meet underwriting standards
- You live in a high‑risk wind zone (often near the Gulf or Atlantic)
Wind‑only policies are common in areas like:
- Hernando County
- Pasco County
- Pinellas County
- Hillsborough County
- Lee County
- Charlotte County
- Miami‑Dade and Broward
How Wind‑Only Policies Work With Homeowners Insurance
Most Florida homeowners carry two policies:
- Wind‑Only Policy — Covers hurricane and wind damage
- HO‑3 or DP‑3 Policy — Covers everything else (fire, theft, liability, water damage)
Together, they provide full protection for the home.
How Much Does a Wind‑Only Policy Cost?
Typical cost in Florida:
$1,200 – $4,000 per year
Pricing depends on:
- Roof age and shape
- Wind mitigation features
- Distance to the coast
- Home age and construction type
Do You Need a Wind‑Only Policy?
If your current insurer excludes wind coverage — or you live in a coastal area where wind coverage is unavailable — a wind‑only policy may be required to protect your home and satisfy your mortgage lender.
