Coverage by state
State-specific guides for every coastal market
Each state guide covers local wind zones, insurance programs, building codes, price gouging laws, and 2026 contractor pricing.
Florida
HVHZ · Citizens Insurance
Highest wind zone requirements in the US. Citizens Insurance offers up to 45% premium discounts for certified shutters.
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Texas
TWIA · Gulf Coast
TWIA insures 250,000+ coastal properties. Wind zone requirements vary by county along the Gulf Coast.
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Louisiana
Fortify LA Grants
Fortify LA grants up to $10,000 for storm-rated shutters. Major demand after Hurricanes Katrina and Ida.
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Mississippi
MWUA · Gulf Coast
Gulf Coast counties require wind-rated protection. MWUA covers high-risk coastal properties statewide.
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Alabama
Baldwin · Gulf Shores
Baldwin County is Alabama's fastest-growing coastal market. Gulf Shores requires Category 3 rated shutters minimum.
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Georgia
Savannah · Golden Isles
Savannah sees direct hits every 8–10 years. Historic district has strict installation permit requirements.
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South Carolina
SCWHUA · Hilton Head
Hilton Head and Myrtle Beach see major contractor price spikes after named storms. SCWHUA covers coastal risk.
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North Carolina
NCJUA · OBX · Wilmington
Outer Banks properties face some of the highest storm risk on the East Coast. NCJUA covers the most wind-exposed parcels.
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Virginia
Virginia Beach · Hampton Roads
Virginia Beach is the largest coastal city on the East Coast. Hampton Roads military installations drive a large shutter market.
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Maryland
Ocean City · Chesapeake
Ocean City sees tropical storms nearly every season. Chesapeake Bay properties face surge risk excluded by standard policies.
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New Jersey
LBI · Atlantic City
Superstorm Sandy caused $30B in NJ damage. Long Beach Island now requires strict elevation and shutter standards.
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New York
Long Island · Hamptons
Long Island's south shore is one of the most hurricane-vulnerable coasts in the Northeast. Hamptons installs average $85–$120/sq ft.
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Massachusetts
Cape Cod · Nantucket
Cape Cod and the islands see direct hurricane tracks every decade. Nantucket shutter costs rank among the highest in the country.
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