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.

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.