How Much Is Homeowners Insurance in Florida?

Originally published June 2017 · Completely rewritten April 2026

Quick Answer:

Florida homeowners insurance averages approximately $3,800 per year statewide, according to the Florida Office of Insurance Regulation. That makes Florida the most expensive state in the country for home insurance.

But that single number hides enormous variation.

Homeowners in rural inland counties pay under $2,100 per year. Homeowners in Monroe County or coastal South Florida regularly pay $6,000 to $8,000 or more.   Below, we break down what homeowners actually pay in every Florida county, explain why every website shows a different number, and show you what you can do about it.

Augustyniak Insurance Group provides homeowners insurance quotes across all of Florida, comparing rates from 26+ carriers. Our office is in Jacksonville, and our deepest data comes from Northeast Florida — but we write policies statewide. Request a free quote or call (904) 268-3106.

How Much Does Homeowners Insurance Cost in Florida?

The Florida Office of Insurance Regulation reports the average annual homeowners insurance premium at approximately $3,800 per year as of late 2025, including wind coverage. 

This figure represents a roughly 6% increase over the prior year, but a significant slowdown from the double digit annual increases seen from 2020 through 2023.

The national average for a homeowners policy with similar coverage is approximately $2,500 per year. That means Florida homeowners pay roughly 50% more than the national average. Only a handful of states — primarily those with severe tornado or hurricane exposure — come close to Florida's costs.

However, the real statewide average is likely higher than what public data suggests. Dozens of the state's largest carriers have filed their premium data as Trade Secret, which means the publicly available county level numbers do not include a large share of the market. State Farm's estimated Florida average alone is approximately $4,400 per year. When you factor in the other excluded carriers, the true all carrier statewide average almost certainly exceeds the reported figure.

What Does Homeowners Insurance Cost in Each Florida County?

The table below shows the average annual homeowners insurance premium for every Florida county with available data. These figures come from the OIR Property Insurance Stability Reports as compiled by Lisa Miller & Associates, and reflect data through March 2025. Remember that these averages do not include carriers that filed as Trade Secret, so actual costs in your county may be higher.

Source: Florida Office of Insurance Regulation Property Insurance Stability Reports (July 2024, January 2025, July 2025) as compiled by Lisa Miller & Associates. Highlighted rows indicate Northeast Florida counties where Augustyniak Insurance Group has detailed proprietary data. Note: These averages exclude carriers that filed data as Trade Secret.

South Florida: The Most Expensive Region

South Florida is consistently the most expensive region for homeowners insurance in the state. Miami-Dade, Broward, and Palm Beach counties all average between $5,900 and $6,400 per year. Monroe County, which covers the Florida Keys, leads the state at over $7,600 per year on average.

Several factors drive the higher costs in this region. Housing density is higher, meaning a single hurricane can damage more properties at once. Home values and rebuilding costs are among the highest in the state. The region has historically generated the most insurance litigation in Florida, which increases costs for all policyholders. And the concentration of older condominium buildings along the coast creates additional risk.

The encouraging news for South Florida homeowners is that premiums in several of these counties have started to flatten or decline. Palm Beach County saw a slight decrease of 0.4% over the most recent 12 month period. Miami-Dade declined by about 1%. Monroe County dropped more than 10%, likely driven by policy count changes and carrier exits rather than a broad market improvement.

Central Florida: Near the Statewide Average

Central Florida, including the Orlando, Tampa, and Lakeland metro areas, generally falls close to the statewide average. Orange County (Orlando) averages about $3,500 per year. Hillsborough County (Tampa) averages about $3,434. Pinellas County, which includes St. Petersburg and Clearwater, runs higher at about $3,900 due to its coastal exposure on a barrier island peninsula.

Central Florida has seen some of the steepest year over year increases in the state. Orange County premiums rose over 9% in the most recent 12 month period. Seminole County rose over 10%. These increases reflect the region's growing population, rising construction costs, and continued exposure to severe thunderstorm and tornado damage in addition to hurricane risk.

Homeowners in Central Florida should pay particular attention to which carriers are competitive in their county. The premium spread between the cheapest and most expensive carrier for the same home can easily exceed $2,000 per year.

Northeast Florida: Below Average With Real Data to Prove It

This is where we can go beyond public estimates. Augustyniak Insurance Group is headquartered in Jacksonville and writes homeowners insurance across all of Florida. Our largest concentration of policies is in Northeast Florida, where we maintain over 2,000 active homeowners policies across Duval, St. Johns, Clay, and Nassau counties. Unlike the comparison websites that model hypothetical quotes, our data reflects what real homeowners with real coverage actually pay.

The OIR's public data shows Duval County at $2,744, St. Johns at $2,839, Clay at $2,503, and Nassau at $2,991. Our agency's average of $3,454 is higher than these figures because our clients carry full replacement cost coverage with recommended endorsements, higher liability limits, and water backup protection. The OIR numbers include policies at all coverage levels, including stripped down minimum coverage that meets a mortgage requirement but may leave a homeowner underinsured after a loss.

The key finding from our data is how dramatically premiums vary within these counties based on home characteristics. At the same coverage level, a home built after 2015 averages about $1,910 per year while a home built before 2000 averages about $3,770, a gap of nearly $1,800 per year. Roof age, carrier selection, and ZIP code also create significant variation.

For the full breakdown by home age, roof age, ZIP code, dwelling level, and more, see our 2026 Jacksonville Homeowners Insurance Cost Analysis. It is the most detailed publicly available dataset for Northeast Florida home insurance costs.

The Panhandle: Wind Risk Drives Costs

The Florida Panhandle presents a mixed picture. Coastal counties like Walton ($5,326) and Okaloosa ($3,794) run well above the statewide average due to their direct Gulf coast exposure. Escambia County (Pensacola) averages $3,623. Bay County (Panama City), still recovering from the lasting impact of Hurricane Michael in 2018, averages $3,390.

Inland Panhandle counties are considerably less expensive. But the Panhandle as a whole has fewer carrier options than the rest of the state, which limits competition and keeps prices elevated even in lower risk areas. Homeowners in this region benefit significantly from wind mitigation inspections and from working with agents who have access to multiple carriers.

Inland and North Florida: The Most Affordable Region

Homeowners in inland and North Central Florida pay the lowest premiums in the state. Sumter County ($2,084), Marion County ($2,211), and Alachua County ($2,473) all fall well below the statewide average. Leon County (Tallahassee) averages about $2,500. These areas benefit from lower hurricane wind exposure, lower housing density, and lower construction costs.

Even in these affordable areas, premiums have increased. Most inland counties saw 3% to 6% increases over the past year. But the gap between inland and coastal Florida remains enormous. A homeowner in Marion County pays roughly one third of what a comparable homeowner in Monroe County pays.

Why Every Website Shows a Different Number for Florida Home Insurance

If you have searched for the cost of homeowners insurance in Florida, you have probably noticed that no two websites agree. One says $3,800. Another says $5,400. A third says $8,300. They are all talking about the same state — so why the spread?

The coverage assumptions are different. The OIR reports its average based on actual premiums from real policies across all coverage levels. Sites like Bankrate and Insurance.com model rates at a specific dwelling amount — often $300,000 — with specific deductible and home assumptions. Insurify uses yet another methodology. When one site models a $250,000 home and another models $400,000, the numbers will not match.

The public data is incomplete. Florida requires all residential insurers to file policy data with OIR. However, dozens of the largest carriers — including State Farm, Tower Hill, American Integrity, USAA, Travelers, Chubb, Progressive, Florida Family, Heritage, Universal, Slide, Southern Oak, Kin, and others — have filed as Trade Secret. The county level data available to the public does not include these carriers. For a full list of who is actively writing in Florida, see our ranking of the 25 largest Florida homeowners insurance companies.

The date matters. Florida's market has been changing rapidly. Premiums rose by double digits from 2020 through 2024 and are now stabilizing. A number from early 2024 is already outdated. The figures in this guide reflect the most recent data available as of early 2026.

What Factors Affect Your Homeowners Insurance Premium in Florida?

Regardless of where you live in the state, the same core factors determine what you pay. In our experience insuring thousands of Florida homes, these are the factors that move the needle the most, roughly in order of impact.

How does my home's age affect my insurance premium?

Homes built to the Florida Building Code adopted after 2002 cost significantly less to insure than older homes. The code requires stronger roof to wall connections, impact resistant openings, and improved wind resistance. Insurance companies reward these features with lower rates. In our data, the premium gap between a post-2015 home and a pre-2000 home at the same coverage level is nearly $1,800 per year.

How does roof age affect my insurance cost?

Once a roof passes the 10 year mark, premiums increase noticeably. Many carriers will not write a new policy on a roof over 15 to 20 years old. A new roof can lower your premium by hundreds of dollars annually. If your roof is aging but still functional, ask your agent about actual cash value (ACV) roof coverage options, which have become more widely available and can make coverage accessible for homes that might otherwise struggle to find a carrier. For more on how this works, see our guide to 4-point inspections in Florida.

How does my coverage amount affect what I pay?

This is the cost to rebuild your home at current construction prices. It is not your home's market value or tax assessed value. Homes with higher rebuilding costs naturally carry higher premiums. Make sure your dwelling coverage accurately reflects current construction costs in your area.

Does it matter which insurance company I choose?

This is the factor most homeowners overlook. Every carrier uses its own proprietary model to price risk. The same home, with the same coverage, can be quoted $1,500 to $2,000 apart between companies. A carrier that was cheapest for you three years ago may not be cheapest today. Comparing carriers annually is the single fastest way to lower your premium without reducing your coverage.

How does my location affect my rate?

Distance from the coast, flood zone designation, local claims history, and exposure to storm surge all affect pricing. These factors explain much of the county to county variation in the table above.

Can wind mitigation features lower my premium?

Florida law requires insurers to offer discounts for homes with hurricane resistant features. A certified wind mitigation inspection, which typically costs $75 to $150, documents your home's roof shape, roof to wall connections, opening protections, and secondary water resistance. Homes built after 2002 generally receive automatic credits. Older homes with retrofitted features can also qualify for substantial discounts.

How Does Florida Home Insurance Compare to Other States?

Florida has the highest or second highest average homeowners insurance premiums in the United States in most rankings. The exact ranking depends on the methodology, but Florida consistently appears at or near the top alongside Oklahoma, Nebraska, Kansas, and Texas, all states with significant tornado and severe storm exposure.

The national average for homeowners insurance is approximately $2,500 per year for a policy with around $400,000 in dwelling coverage. Florida's statewide average of roughly $3,800 represents a premium of about 52% above the national figure.

Several factors make Florida uniquely expensive. The state faces the highest hurricane exposure of any state by insured property value. Florida has historically had the highest rate of insurance related litigation in the country, though legislative reforms in 2022 and 2023 have significantly reduced that trend. Construction and labor costs in Florida have increased sharply due to population growth and post hurricane rebuilding demand. And the reinsurance market, which is the insurance that insurance companies buy to protect themselves after catastrophic events, has been repricing Florida risk at higher levels for several years.

Florida Insurance Market Update for 2026

After several years of steep premium increases, carrier insolvencies, and shrinking coverage options, the Florida homeowners insurance market is showing clear signs of stabilization heading into 2026.

Rate decreases are happening. As of late 2025, the Florida Office of Insurance Regulation had received 73 filings for rate decreases and 94 filings for zero percent rate increases from private carriers. Multiple major insurers have reduced or plan to reduce premiums. State Farm filed for a 10% rate reduction statewide. Florida Peninsula proposed an average reduction of 8.4%. Patriot Select reduced premiums by about 11.3%.

Citizens is shrinking and cutting rates. Citizens Property Insurance Corporation, Florida's state run insurer of last resort, has dropped from a peak of over 1.4 million policies in 2023 to under 385,000 policies. Citizens has filed for an average rate decrease of 8.7% effective mid-2026, its first rate cut since 2015. This is a strong signal that the private market is absorbing risk and competing for business again.

New carriers are entering the market. Eight new homeowners insurance companies were approved to write policies in Florida in late 2024, joining several others that entered earlier in the year. This increased competition is expected to put additional downward pressure on premiums over time. For details on these new entrants, see our article on new home insurance companies in Florida.

The reforms are working. Legislative changes enacted in 2022 and 2023 eliminated one way attorney fees, restricted assignment of benefits practices, and reformed bad faith litigation rules. These changes have significantly reduced the volume of insurance litigation in Florida, which had been a major driver of premium increases. Insurance Commissioner Michael Yaworsky has described the market momentum as being in consumers' favor heading into 2026.

None of this means premiums are dropping dramatically. Florida is still the most expensive state for home insurance and will remain so. But the direction has shifted, and homeowners who actively compare carriers are well positioned to benefit from the increased competition.

Frequently Asked Questions

Augustyniak Insurance Group is an independent insurance agency headquartered at 12058 San Jose Blvd, Suite 304, Jacksonville, FL 32223, serving homeowners throughout the state of Florida. We compare rates from 26+ carriers. Call (904) 268-3106 or visit weshopinsurance.com.