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Should I Install Storm Shutters?

Last updated October 25, 2026

The short answer

What Storm Shutters Do

Storm shutters are protective coverings that mount over your windows. Their main job is to shield glass from wind-borne objects, like tree limbs or loose roofing, during a severe storm. When installed correctly, they can reduce the chance of a window breaking and letting water into your home.

They come in several styles, including roll-down, accordion, and colonial models. Some are permanent fixtures, while others are manual and need to be put in place before a storm. Each type has its own trade-offs in cost, ease of use, and how well it fits your home's look.

  • Protect windows from flying debris
  • Reduce risk of water intrusion
  • Available in manual or motorized styles
  • Permanent or removable options
  • Can be decorative or purely functional
  • Require proper installation to work well

Do You Need Them

Your location plays a big part in this decision. If you live in an area with frequent hail, tornadoes, or hurricane-force winds, shutters can be a smart investment. In calmer regions, they may not be worth the expense. Think about how often severe weather actually threatens your home.

Also consider your windows. Large, older, or single-pane windows are more vulnerable to impact. If you have impact-resistant glass or a newer home built to stricter codes, shutters might be less necessary. Your home's exposure to open fields or tall trees also affects how much debris could hit your windows.

Cost and Installation Factors

The cost of storm shutters varies widely. It depends on the material, size, and whether you choose manual or motorized models. Installation adds to the total, especially if you hire a professional to ensure they are mounted securely. Prices can range from a few hundred to several thousand dollars per window.

Keep in mind that shutters are only effective if they are in good condition and properly closed before a storm. If you opt for manual ones, you need to be home and ready to act when a warning is issued. Motorized versions can be operated remotely, but they cost more and require power or a battery backup.

  • Material choices: aluminum, steel, polycarbonate
  • Manual shutters require physical effort to close
  • Motorized shutters can be closed from inside your home
  • Installation by a pro ensures a secure fit
  • Check local building codes before buying
  • Ask your insurance company about possible savings

Alternatives to Consider

Storm shutters are not the only way to protect your windows. Impact-resistant glass, also called laminated or hurricane glass, is designed to withstand debris without shattering. Window film can offer some protection, though it is less robust than shutters. Plywood is a temporary option, but it must be cut and installed each time.

Your decision should also consider water damage. Even with shutters, heavy rain can find its way in through gaps or around frames. If a window does break, water can soak drywall, flooring, and belongings. Knowing how to shut off your water and dry out a space can limit the damage.

Making Your Decision

Start by reviewing your home insurance policy. Policies vary, and your insurer decides what is covered. Some policies offer savings for protective measures like storm shutters, which could offset the upfront cost. Check with your insurance company to understand any potential benefits.

Talk to a local contractor or building professional about what works for your home's structure and your area's weather. If you decide to install them, make sure they are sized and mounted correctly. If you skip them, have a plan for boarding up windows or moving valuables away from glass when a storm threatens.

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Frequently asked questions

Are storm shutters worth the cost?

It depends on your risk. If you face frequent severe storms with high winds, shutters can save you from costly window and water damage. In low-risk areas, the expense may not pay off. Talk to a professional and check with your insurance for possible savings.

Can I install storm shutters myself?

Some manual shutters are designed for DIY installation, but it is not a simple job. Proper mounting is critical for them to work in a storm. If you are not confident in your skills, a pro can ensure they are secure and meet local building codes.

Do storm shutters protect against water damage?

They mainly protect against debris impact. If a window stays intact, water is less likely to enter. But heavy rain can still seep around frames or through other openings. Shutters are one part of a broader water protection plan.

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