Hurricane and flood insurance
On the Yucatán Peninsula, hurricane season is part of the year. Protect your property before it arrives.
What it usually covers
- Hurricanes and windstorms
- Flood
- Hail
- Earthquake, depending on the area
Coverage, sums insured and exclusions vary by insurer and plan. We show you the terms of each option before you buy.
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4insurers offer this coverage. We compare their options for you.
Hurricane insuranceWhat you need to get a quote and buy
- Exact location of the property: address and postal code.
- Construction type: walls, roofs, number of floors and year built.
- Distance to the sea, rivers, lakes or dams.
- Value of the property and its contents.
- Some insurers do not issue policies in areas under alert when a hurricane or storm is near.
This is a general guide: each insurer may ask for more details or documents. Below, on the policies that publish them, you will see what their insurer asks for.
Products from each insurer
5 products from 4 insurers, with their official description and a link to each company's page.
We translated each product's summary. Product names, coverages and requirements are shown in Spanish, as each insurer publishes them.
Protección ante Huracán Banorte
Seguros Banorte parametric insurance, registered in 2026, that pays you according to the category of a hurricane that passes within 50 km of your location.
- Cubre huracanes de categoría 2, 3, 4 o 5 que pasen dentro de un radio de 50 km de la ubicación asegurada.
- El pago depende de la categoría del huracán, según la tabla de indemnizaciones de tu póliza.
- No hace falta demostrar daños: un agente de cálculo independiente confirma el evento.
- Cubre uno o varios huracanes en la vigencia, hasta agotar la suma asegurada.
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- El pago se deposita en tu cuenta bancaria.
What they ask for to buy it
- Ubicación del riesgo en México.
- Cuenta bancaria a tu nombre para recibir el pago.
- Purchased through agents and brokers.
Paramétrico Huracán
GMX parametric insurance that pays an agreed amount if a hurricane reaches the wind speed and location set in the policy, without waiting for a loss adjustment.
- Paga los primeros gastos cuando se cumplen los parámetros de velocidad del viento y ubicación.
- Para casas, hoteles, restaurantes, centros comerciales, parques, corporativos y estadios.
- El dinero sirve para lo que necesites: deducibles de tu póliza de daños, bienes a la intemperie, palapas, albercas o jardines.
- También para pérdida de playa, erosión, cancelación de reservas, pérdida de clientes y daños por agua.
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- GMX publica el método de cálculo del pago.
What they ask for to buy it
- Valid official ID: INE, passport, professional license, driver's license or FM2/FM3 if you are a foreigner; for a company, articles of incorporation.
- Phone, gas or water bill as proof of address, no more than 3 months old.
- Tax status certificate (constancia de situación fiscal) and insurance application.
Paramétrico Terremoto
GMX parametric insurance for homes and businesses that pays an agreed amount if an earthquake reaches the intensity set in the policy.
- Paga los primeros gastos cuando el sismo alcanza la intensidad establecida.
- Para casas, hoteles, restaurantes, centros comerciales, corporativos, estadios y cualquier inmueble expuesto.
- El dinero sirve para daño físico, deducibles de tu póliza de terremoto, gastos extraordinarios y pérdida de ingresos.
- También para falta de acceso, pérdida de clientes, fugas, filtraciones o incendios por el sismo.
What they ask for to buy it
- Valid official ID: INE, passport, professional license, driver's license or FM2/FM3 if you are a foreigner; for a company, articles of incorporation.
- Phone, gas or water bill as proof of address, no more than 3 months old.
- Tax status certificate (constancia de situación fiscal) and insurance application.
GNP Riesgos Naturales - Huracán
Insurance that backs you if a hurricane hits, paying an amount of the coverage purchased according to the sustained wind speed recorded at your insured property's location, under the terms of your policy.
- Pago automático de la suma contratada según la velocidad del viento sostenido en tu ubicación, registrada por la NOAA.
- Pagan aunque tu inmueble no haya sufrido daños, sin deducible ni ajuste.
- Suma asegurada de $10,000 a $1,000,000.
- Cubre huracanes y tormentas nombradas en toda la República, para casa o negocio.
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- Recibes un mensaje, confirmas tus datos bancarios y te depositan.
What they ask for to buy it
- Ser mayor de 18 años, persona física o con actividad empresarial.
- Datos personales y bancarios actualizados para recibir el pago.
- No cubre huracanes ni tormentas que ya estén nombrados al contratar.
Seguro paramétrico
Placed through RSK Placement, the first insurance wholesaler in Mexico, which advises agents on complex, large-scale risks. Pays automatically when predefined parameters are met, such as an earthquake, hurricane or excess rainfall, whether or not there is direct damage.
Frequently asked questions
Hurricane insurance: how much does it cost?
It depends on what you want to protect, the sum insured, the deductible and the insurer. We get quotes from several companies so you can compare price and coverage.
Which insurers offer hurricane insurance across Mexico?
At 1SEGUROS we quote hurricane insurance with Banorte, GMX, GNP and RSK Placement.
How do I sign up?
Message us on WhatsApp at +52 999 316 7145 from anywhere in Mexico, or visit our office in Colonia Yucatán, Mérida. We ask for the information we need, show you options and issue your policy.
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Hurricane and flood insurance
On the Yucatán Peninsula, hurricane season is part of the year. Protect your property before it arrives.