Biloxi Shutter & Impact Window Payback Calculator

Models the payback math from the Biloxi payback study: hurricane protection earns you back money through insurance premium discounts and energy savings. Presets are editable — use your own quote and premium. The tools below answer the questions homeowners around Biloxi, MS ask most often when they are weighing up accordion hurricane shutters.

Protection system Impact windows (whole-home) Accordion shutters (whole-home) Motorized roll-down shutters (whole-home) Removable storm panels (whole-home) Installed project cost ($) Homeowners insurance premium ($/yr) Opening-protection premium discount (%) Annual energy cost ($/yr — HVAC cooling) Energy savings from protection (%) Resale recoup rate (%) Calculate Payback

Payback results

Annual savings: /yr (insurance + energy )

Simple payback (savings only)
Net capital after resale recoup
Equity-adjusted payback
20-year net position (nominal)

Method mirrors the Biloxi payback model: annual insurance discount + energy savings; simple payback = cost ÷ savings; equity-adjusted = (cost − cost×recoup) ÷ savings. 20-yr position = savings×20 − net capital (nominal, pre-inflation). Mississippi has no WPI-8 form — confirm your carrier's wind-mitigation credits.