DISCLAIMER:

The proposed rates for 2026 are a result of the 2026 Ratemaking Formula Report which was presented to the Florida Hurricane Catastrophe Fund Advisory Council on April 2, 2026, and will be presented to the State Board of Administration (SBA) Trustees for their approval at their next meeting, currently scheduled for June 9, 2026. Rates are not final until unanimous approval by the Trustees.

IMPORTANT NOTE: The rate pages have been reformatted. This change has no impact on FHCF premium and rate levels. It is an administrative change that will make factors underlying FHCF rates more accessible to member companies and other stakeholders. Rate pages for rates excluding mitigation factors have been eliminated and replaced by types of business with base rates and factor tables for deductible, construction type and coverage selections.