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In short, it depends. After 20 years, the glass in your windows is less energy efficient, which can cause increased electricity bills. You might also see signs of water damage or natural wear and tear over the years. However, with proper maintenance, some window frames can last up to 50 years, so you may only need to replace the glass to save on energy. 

At the same time, window replacement is a major investment, so replacing the glass in rooms most impacted by outdoor temperatures is one way to avoid going all-in to replace your windows.

Fiberglass and wood windows last the longest, with lifespans of up to 45 years or more with proper maintenance. Wood windows are more expensive than vinyl and aluminum windows, but they’re 10% to 20% less expensive than fiberglass windows. Repairing and restoring wood windows is also easier than with fiberglass windows, so they’re considered the more durable option overall.

Garden windows last about 15 to 30 years, depending on the materials, ongoing maintenance, and local climate. Fiberglass and wood windows tend to have the longest life spans as long as you keep up with cleaning, lubricating, and refinishing them. Make sure to inspect your windows about once a year for signs of trouble, like worn-out seals, frame damage, or cracks in the panes.

If you don't have hurricane shutters or impact-resistant windows, boarding up windows before a hurricane is worth it. According to the Federal Alliance for Safe Homes, protection is essential for all your home's entry points, including windows, doors, skylights, and garage doors.  

When windows break, wind enters your home, creating enough pressure that could cause the weakest part of your to rupture. Often, the weakest part is the roof, which can "pop" off of a home in a hurricane. The simple act of boarding up your windows can protect the structural integrity of your house.