NC - 2027
Windstorm requirements in North Carolina
In North Carolina, required design wind speeds in this guide range from 115 to 150 mph depending on location. Outer Banks / Coastal is listed at 130-150 mph with common roof uplift of 50-80 psf; the typical insurance credit trigger is Fortified Home or IBHS rating.
County or Area | Wind Speed Required mph | Exposure Category | Risk Category I mph | Risk Category II mph | Common Roof Uplift psf | Typical Insurance Credit Trigger |
|---|---|---|---|---|---|---|
Outer Banks / Coastal | 130-150 | D (open) | 130-150 | 140-170 | 50-80 | Fortified Home or IBHS rating |
Wilmington / Southeast | 120-140 | C | 120-140 | 130-150 | 40-65 | Sealed wind design |
Charlotte Metro | 115-130 | B | 115-130 | 120-140 | 30-50 | Impact windows + straps |
Raleigh / Triangle | 115-125 | B | 115-125 | 120-135 | 25-45 | Engineered roof-to-wall connections |
Updated 2027 • ASCE 7-22 based • Coastal highest • Confirm local amendments
Notes & assumptions
01
Coastal counties have highest requirements. JRH provides sealed designs and Fortified documentation support.
GUIDE 09 - 2027 EDITION
Windstorm Cheat Sheet in TX, NC, and FL
Texas, Florida & North Carolina (2027)
Wind design requirements vary by region and risk category. Typical design wind speeds, exposure, roof uplift, and what triggers an insurance credit, region by region.
TX
115-150
mph
FL
130-180
mph
NC
115-150
mph
Required design wind speed across the region in this guide.
Important Note: The information in these guides is for general reference only. A licensed Professional Engineer should review any actual design or construction work. JRH Engineering assumes no responsibility for the application or use of these materials.
TX - 2027
Windstorm requirements in Texas
In Texas, required design wind speeds in this guide range from 115 to 150 mph depending on location. Texas Coast (TDI Zone) is listed at 130-150 mph with common roof uplift of 40-70 psf; the typical insurance credit trigger is WPI-8 Certification.
County or Area | Wind Speed Required mph | Exposure Category | Risk Category I mph | Risk Category II mph | Risk Category III/IV mph | Common Roof Uplift psf | Typical Insurance Credit Trigger |
|---|---|---|---|---|---|---|---|
Texas Coast (TDI Zone) | 130-150 | C (open) | 120-140 | 130-150 | 140-170 | 40-70 | WPI-8 Certification |
Inland 100 miles | 120-140 | B or C | 110-130 | 120-140 | 130-150 | 30-50 | Sealed engineering letter |
Houston Metro | 130-140 | C | 120-130 | 130-140 | 140-160 | 45-65 | WPI-8 or engineered design |
Dallas-Fort Worth | 115-130 | B | 110-120 | 115-130 | 130-140 | 25-40 | Impact-rated windows + bracing |
Austin / Central TX | 120-135 | B or C | 110-125 | 120-135 | 130-145 | 35-55 | Fortified Roof or sealed plans |
01
Values approximate. Always obtain site-specific wind speed. JRH provides sealed wind designs and WPI-8 support where applicable.
Updated 2027 • ASCE 7-22 based • Confirm site-specific with AHJ or approved tool • WPI-8 still key for coastal
Notes & assumptions
FL - 2027
Windstorm requirements in Florida
A typical Florida subdivision takes 37-76 weeks from feasibility to construction permits across 7 phases; the fastest realistic timeline is 10-14 months. Phase 1, Feasibility & Due Diligence (survey + environmental + concurrency + title), typically takes 5-12 weeks; a common hold-up is: concurrency reservation expires.
County or Area | Wind Speed Required mph | Exposure Category | Risk Category I mph | Risk Category II mph | Risk Category III/IV mph | Common Roof Uplift psf | Typical Insurance Credit Trigger |
|---|---|---|---|---|---|---|---|
Miami-Dade / Broward (HVHZ) | 175-180 | Yes (C/D) | 165-180 | 175-190 | 185-200 | 70-100 | NOA + Miami-Dade Product Approval |
Palm Beach County | 150-170 | Partial | 150-170 | 160-180 | 170-195 | 60-90 | Florida Product Approval + sealed plans |
Tampa Bay Area | 140-160 | No | 140-160 | 150-170 | 160-185 | 50-80 | Fortified Roof or opening protection |
Orlando / Central FL | 130-150 | No | 130-150 | 140-160 | 150-170 | 45-70 | Impact-rated openings |
Panhandle | 140-160 | No | 140-160 | 150-170 | 160-185 | 55-85 | Fortified Home designation |
01
9th Edition keeps ASCE 7-22 framework. Confirm exact site wind speed and whether HVHZ or WBDR applies. JRH delivers full sealed wind packages.
Updated 2027 • FBC 9th Edition / ASCE 7-22 • Wind speeds largely consistent with prior maps • Product Approvals mandatory
Notes & assumptions
Frequently Asked Questions
How long does it take to develop a subdivision in Texas?
A typical Texas subdivision takes 31-56 weeks from feasibility to construction permits across 7 phases; the fastest realistic timeline is 8-12 months. Phase 1, Feasibility & Due Diligence (survey + zoning + soil + title), typically takes 4-8 weeks; a common hold-up is: expansive soils report missing.
How long does it take to develop a subdivision in Florida?
A typical Florida subdivision takes 37-76 weeks from feasibility to construction permits across 7 phases; the fastest realistic timeline is 10-14 months. Phase 1, Feasibility & Due Diligence (survey + environmental + concurrency + title), typically takes 5-12 weeks; a common hold-up is: concurrency reservation expires.
How long does it take to develop a subdivision in North Carolina?
A typical North Carolina subdivision takes 31-64 weeks from feasibility to construction permits across 7 phases; the fastest realistic timeline is 9-12 months. Phase 1, Feasibility & Due Diligence (survey + zoning + watershed + septic/health), typically takes 4-10 weeks; a common hold-up is: septic permit delay.
How current is this guide?
This guide was updated in October 2026 for 2027. Construction costs are uplifted roughly 4% from the 2026 baseline, and references reflect ASCE 7-22 and, for Florida, the Florida Building Code 9th Edition (effective December 31, 2026).
Can I use this guide for my specific project?
No. These figures are general reference ranges, not engineering advice. Always verify current local codes, fee schedules, design criteria and site conditions with the Authority Having Jurisdiction, and contact JRH Engineering for project-specific sealed designs, estimates and permit packages.
Disclaimer: These guides are for general reference only and are not engineering advice for any specific project. Verify current local codes, fee schedules and site conditions with the Authority Having Jurisdiction.
Proprietary reference material of JRH Engineering. Free for personal and professional use with attribution. Commercial redistribution prohibited without written permission.