These files are provided for informational purposes only. Although they are believed to be reliable, they are not guaranteed as to accuracy or completeness. The Florida Statutes, along with the Rules adopted by the State Board of Administration of Florida (SBA), are the authoritative source on all FHCF policies and requirements.
2025/2026 Ratemaking Formula Report
2025/2026 Ratemaking Formula Report
Last Update 2025/05/19
2025/2026 Florida Hurricane Catastrophe Fund Rates
Following is an index of the 2025/2026 FHCF rates for each coverage level by type of business, deductible group, construction class, and FHCF rating region. You may view and print the desired rate pages by selecting the applicable index.
Florida Hurricane Catastrophe Fund 2025 All Rates
2025/2026 FHCF Retention Multiples
The 2025/2026 FHCF Retention Multiple for each of the coverage levels is defined as the following:
| Coverage Level |
2025/2026 Retention Multiple |
| 90% |
7.8099 |
| 75% |
9.3719 |
| 45% |
15.6198 |
2025/2026 Premium & Coverage Calculations
2025/2026 FHCF Coverage Selections and Premium Calculations
Last Update 2025/07/08
2025/2026 FHCF ZIP Codes, County Codes, and Rating Regions
Last Update 2025/05/22
2025/2026 FHCF Projected Payout Multiple (Updated 6/1/25)
Last Update 2025/05/21
2025 FHCF Premium Calculation Examples Including Mitigation
Last Update 2025/07/09