Florida Homeowners Insurance Rates: What Homes Pay by County, and Why

What Florida homeowners pay, on average

Some context on the home behind that average. The typical owner-occupied policy in OIR’s data carries about $757,000 of total insured value across dwelling, other structures, contents and loss of use combined (derived from OIR’s first-quarter 2026 statewide file), so the dwelling limit alone is a fraction of that. The NAIC adds that more than half of owner-occupied policies nationwide are written for $150,000 to $400,000 of insurance, which is the band most Florida homes land in as well.

For a national yardstick, the NAIC’s most recent report puts Florida’s average HO-3 premium at $2,779 against $1,737 countrywide. That is calendar 2023 written premium, so it predates the 2024 to 2026 rate actions and is not comparable to the OIR figure above; it is here because it is the number most often quoted back to you. The reasons Florida sits where it does, and what the 2021 to 2023 reforms changed, are on our page on Florida rate increases and the 2026 turn.

Florida homeowners insurance rates by county

Every county is listed alphabetically, and there is no ranking column on purpose. A high average is not a verdict on a county; it is a readout of the homes there: how much wind exposure they carry, what they cost to rebuild, and how old the housing stock is. Click a county for its own carrier guide.

Average annual homeowners and condo unit-owner premium by county, Florida OIR Property Insurance Stability Report, July 1, 2026 (data as of March 31, 2026); prior column from the January 1, 2026 report

Snapshot figures: your premium is set by coverage, endorsements, construction, roof shape and age and dozens of other inputs, not by the county line. Method: total premium in force divided by policies in force, by county, separately for policies with and without wind coverage. N/A = no policies in force. Company-reported, not audited; excludes surplus lines; includes Citizens. On narrow screens the condo and prior-report columns are hidden; widen the window or turn your phone sideways to see them.

Read the “without wind” column carefully. It describes a small set of policies where the owner bought windstorm coverage elsewhere or chose to go without it, so in a few rural counties that figure sits above the with-wind figure, an artifact of small counts, not a pricing rule. For a home with a mortgage, wind coverage is required, and for almost everyone else it is the coverage that pays for the roof after a hurricane. Where the wind portion is a large share of the premium, the honest lever is a wind-mitigation inspection, not dropping the coverage.

Condo unit-owner figures are HO-6 policies, sized to what the association’s master policy leaves to the owner; “N/A” means no policies of that type were in force. Tenant, mobile-home and landlord (DP) policies are separate policy types and are not in this table.

Why the county numbers differ

Four underwriting inputs explain most of the spread between counties, and none of them is a judgment about the place.

• Wind exposure. Distance to open water and the coastline shape set the modeled hurricane loss, which is why the with-wind and without-wind columns sit far apart in coastal counties and close together inland. The hurricane deductible is the other half of that math.
• Rebuild cost. Premium scales with Coverage A. Counties with large, high-value homes carry higher averages even at identical rates per thousand dollars of coverage, so the table is partly a map of construction cost and home size.
• Age of the housing stock. Homes built to the 2002 Florida Building Code and later, and homes with documented roof and opening protection, earn credits that older homes only get after a re-roof or a mitigation inspection. Counties that grew after 2002 show it in the average. Statewide, Florida’s housing stock splits roughly into thirds by era: about a third built before 1980, a third in the 1980s and 1990s, and a third since 2000, with a median build year of 1990 (Census American Community Survey, 2024). Roof age is the single biggest gate.
• Who is writing there. The mix of admitted carriers and Citizens differs by county. In Monroe County, for example, most Citizens policies are wind-only policies stacked on top of a private policy, which is part of why the with-wind average there is the highest in the table while the without-wind average is ordinary.

Flood is not in any of these numbers. It is a separate policy on every form, so the question for your address is how much flood coverage to carry, priced across the NFIP, private flood carriers and flood endorsements. Sinkhole is not one of these inputs either: catastrophic ground cover collapse is included with admitted carriers, and the optional sinkhole endorsement is an underwriting decision rather than a lever you pull.

Why published Florida averages disagree by five times

Search for the average cost of homeowners insurance in Florida and you will find figures from about $2,000 to more than $10,000 a year, all published this year or last, all presented as “the Florida average.” They are measuring different things. The two government figures count what every insured home actually pays. The rest are quote-engine estimates for one hypothetical house, and the house they pick decides the number.

Published Florida homeowners averages and what each one assumes

Third-party figures are the ones each site showed when we checked; they change without notice. None is wrong on its own terms; they answer different questions.

The assumptions matter more than the figures. A $500,000 house from 1984 prices below a $250,000 house on another site because the profiles differ in year built, deductible, liability limit and which carriers were sampled. Insurance.com publishes the clearest example: the same $300,000 home costs $2,557 without a hurricane deductible in its model and $7,136 with a 2 percent one. When an AI answer or a news story quotes a single Florida average, ask which house it priced.

What wind mitigation does to the same house

OIR’s CHOICES tool publishes sample filed rates for fixed example homes in every county; the profiles are dated and have not changed in years, which is fine for this purpose because the point is the gap, not the price level. The pair below is the same $150,000 masonry home in Hillsborough County, built before 2001, with a $500 deductible and a 2 percent hurricane deductible, priced twice: once with no wind-mitigation features and once with the maximum set (roof deck attachment, roof-to-wall straps, opening protection, hip roof).

OIR CHOICES sample annual rates, Hillsborough County: $150,000 masonry home built before 2001, $500 deductible, 2 percent hurricane deductible

Sample filed rates for a fixed profile, not averages; carriers filing as trade secret are not shown; retrieved from OIR’s CHOICES tool.

Same house, same carrier, 23 to 70 percent apart. These are sample rates for one fixed profile, not averages, and carriers that file their rates as trade secret are not in the tool, so treat the spread as the lesson rather than the exact figures. The features are documented on the uniform mitigation form, which is why a wind-mitigation inspection is the first thing we ask about on an older home.

What moves your premium more than the county does

Working with your agent, these are the inputs that move a Florida homeowners premium, in roughly the order they matter.

• Roof age and material. It decides which carriers will quote the home at all, and the credits behind it are money on top. Documentation is the whole game: a permit or an inspection report, not a guess.
• Wind-mitigation credits, captured on the application. The inspection only pays if every feature it documents makes it onto the quote, and a form completed before a re-roof or new shutters undercounts the house.
• Coverage A from a real rebuild estimate. Too low and a total loss falls short; too high and you pay for square footage you do not own. Market value and purchase price are the wrong inputs.
• Deductibles in dollars. A 2 percent hurricane deductible on a $400,000 home is $8,000 before the policy pays after a hurricane. Choose it knowingly, and keep the all-other-perils deductible where you could write the check.
• Construction and opening protection. Masonry, a hip roof and rated shutters or impact glass each carry their own credit with most carriers.
• Claims history. A prior claim does not raise your rate; it can limit which carriers are eligible and cost the claims-free discount, which is a different problem with a different fix.
• The carrier lineup. Florida carriers open and close their appetite by county and by home profile, so the same house draws different answers from the 20+ homeowners carriers we represent. That comparison, not the county average, is your number.

Two related reads: why a renewal came in higher and, if you are a Citizens policyholder, what a takeout offer changes. Citizens’ own approved 2026 rates average $3,202 for its HO-3 book, down from $3,506, after OIR ordered an 8.7 percent average personal-lines decrease; that is a Citizens-only figure and not the market average.

Where the numbers come from

Sources for every figure on this page

OIR collects county and ZIP-level policy data from every admitted residential carrier through the Market Intelligence Report and publishes the county averages in its Property Insurance Stability Report each January 1 and July 1 under section 627.7154, Florida Statutes. The data is reported by the companies and is not audited; it excludes surplus-lines policies; premium includes policy fees and regular assessments; and one “homeowners” bucket covers the HO-3, HO-5 and HO-8 owner-occupied forms. We refresh this page after each release. For a county-by-county view of carriers rather than premiums, start at Florida home insurance by county or the statewide guide to the best home insurance companies in Florida.