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Hurricane Shutters questions, answered by experts

During hurricanes or other major storms, high winds can cause objects and debris to fly through the air, which can break your windows. Depending on how strong the storm is, the winds themselves may be strong enough to break your windows, too. Investing in storm windows or hurricane shutters can help protect you against potential window breakage.

Hurricane shutters can add value to your home by protecting windows from flying debris during a storm and possibly reducing your home insurance premiums, likely appealing to potential home buyers. The material also plays a role in the value of the hurricane shutters. For example, plywood hurricane shutters are a more temporary solution that likely will not impact home insurance costs even if it can save your windows and doors from damage. 

In many cases, hurricane shutters lower the cost of homeowners insurance. If your storm panels are code-compliant with your state or county (or insurance policy), they may lower your annual premium, even in storm-prone areas. Check with your homeowners insurance company to understand the compliance requirements. Even if your insurer doesn’t lower your premiums, hurricane shutters could save you from costly repairs after a storm. 

The type of hurricane shutters you install will play a large role in the overall cost of the project. Some of the most common types of hurricane shutters include:

  • Accordion hurricane shutters: $15–$30 per square foot plus labor

  • Roll-down hurricane shutters: $25–$60 per square foot plus labor

  • Bahama shutters: $25–$35 per square foot plus labor

  • Colonial shutters: $25–$35 per square foot plus labor

  • Plywood: $2–$6 per square foot plus labor

  • Storm panels: $10–$20 per square foot plus labor

  • Fabric storm shutters: $5–$15 per square foot plus labor

In areas prone to hurricanes, not having hurricane shutters can make your home more of a risk to insure, leading to higher premiums. But by installing them, you can save about 8% to 10% on your insurance premium. Having hurricane shutters not only saves you on insurance but can also save you from costly window repairs after a storm. 

The Strawberry, CA homeowners’ guide to hurricane shutter services

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