{"id":15357,"date":"2026-08-06T06:00:21","date_gmt":"2026-08-06T10:00:21","guid":{"rendered":"https:\/\/www.greatflorida.com\/blog\/?p=15357"},"modified":"2026-07-20T10:18:40","modified_gmt":"2026-07-20T14:18:40","slug":"florida-home-insurance-rates-by-county","status":"publish","type":"post","link":"https:\/\/www.greatflorida.com\/blog\/2026\/florida-home-insurance-rates-by-county\/","title":{"rendered":"Florida Home Insurance Rates by County"},"content":{"rendered":"

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Florida home insurance<\/a> rates can vary dramatically from one county to another. A homeowner in an inland North Florida county may pay much less than a homeowner in the Florida Keys, South Florida, or a coastal Gulf county. Even within the same county, two homes can receive very different quotes based on roof age, construction type, wind mitigation features, replacement cost, claims history, flood exposure, and the insurance company\u2019s appetite for that area.<\/p>\n

That is why county-level averages are helpful, but they are only a starting point. They can show general patterns across the state, but they cannot predict the exact premium for one specific home.<\/p>\n

According to the Florida Office of Insurance Regulation\u2019s<\/a> January 2025 Property Insurance Stability Report, OIR calculated county-level average premiums by dividing total premium by policies in force with wind coverage by county. OIR also cautions that actual charged premiums vary based on company, insured value, deductibles, and policy terms. The report\u2019s county data represents information reported as of September 30, 2024.<\/p>\n

For Florida homeowners, the main takeaway is simple: where your home is located matters, but it is not the only thing that matters.<\/strong><\/p>\n

Shopping for Florida Homeowners Insurance?<\/span>Get a Free Quote<\/a><\/div>\n

Why Florida Home Insurance Rates Vary by County<\/h2>\n

Florida is one of the most complex homeowners insurance<\/a> markets in the country. The state has hurricane exposure, coastal development, high rebuilding costs, litigation history, reinsurance costs, older housing stock, flood exposure, and severe weather risk. Those factors are not evenly distributed across the state.<\/p>\n

A home in Monroe County may face very different wind, storm surge, and rebuilding challenges than a home in Sumter County. A home in Miami-Dade, Broward, or Palm Beach may face different market conditions than a home in Alachua, Marion, or Leon County. A beachfront property in Sarasota County may price differently than an inland property in the same county.<\/p>\n

Insurance companies evaluate county-level risk, but they also look at the individual home. That means your premium may be higher or lower than your county\u2019s average.<\/p>\n

Florida County Home Insurance Rate Examples<\/h2>\n

The Florida Office of Insurance Regulation\u2019s<\/a> January 2025 report provides average premiums charged for homeowners and condominium unit owners in all 67 Florida counties. The report shows a wide range of average homeowners premiums.<\/p>\n

For example, Monroe County had one of the highest average homeowners premiums in the report at $9,058<\/strong>, while Sumter County was much lower at $2,064<\/strong>. Other high-cost counties included Palm Beach at $6,614<\/strong>, Broward at $6,290<\/strong>, Miami-Dade at $6,045<\/strong>, Desoto at $6,168<\/strong>, Collier at $5,604<\/strong>, Gadsden at $5,464<\/strong>, and Walton at $5,376<\/strong>.<\/p>\n

Some lower or moderate county averages in the same report included Martin at $2,213<\/strong>, Baker at $2,313<\/strong>, Highlands at $2,330<\/strong>, Wakulla at $2,360<\/strong>, Citrus at $2,441<\/strong>, Alachua at $2,451<\/strong>, Clay at $2,492<\/strong>, Lee at $2,519<\/strong>, and Pasco at $2,691<\/strong>.<\/p>\n

These numbers are not quotes. They are averages based on policies in force with wind coverage. Your actual premium may be very different.<\/p>\n

County-Level Rate Snapshot<\/h2>\n

Here is a sample snapshot from OIR\u2019s county average premium data:<\/p>\n

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
County<\/th>\nAverage Homeowners Premium<\/th>\n<\/tr>\n
Monroe<\/td>\n$9,058<\/td>\n<\/tr>\n
Palm Beach<\/td>\n$6,614<\/td>\n<\/tr>\n
Broward<\/td>\n$6,290<\/td>\n<\/tr>\n
Desoto<\/td>\n$6,168<\/td>\n<\/tr>\n
Miami-Dade<\/td>\n$6,045<\/td>\n<\/tr>\n
Collier<\/td>\n$5,604<\/td>\n<\/tr>\n
Walton<\/td>\n$5,376<\/td>\n<\/tr>\n
Pinellas<\/td>\n$3,882<\/td>\n<\/tr>\n
Sarasota<\/td>\n$3,590<\/td>\n<\/tr>\n
Orange<\/td>\n$3,427<\/td>\n<\/tr>\n
Hillsborough<\/td>\n$2,653<\/td>\n<\/tr>\n
Lee<\/td>\n$2,519<\/td>\n<\/tr>\n
Alachua<\/td>\n$2,451<\/td>\n<\/tr>\n
Highlands<\/td>\n$2,330<\/td>\n<\/tr>\n
Martin<\/td>\n$2,213<\/td>\n<\/tr>\n
Sumter<\/td>\n$2,064<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n

This table is useful for understanding broad county differences, but it should not replace a personalized quote. GreatFlorida Insurance<\/a> homeowners insurance guide also reports that Florida is one of the most expensive states for homeowners insurance, with statewide averages varying significantly depending on coverage assumptions, including hurricane deductible selections.<\/p>\n

Coastal Counties Often Have Higher Premiums<\/h2>\n

Many of Florida\u2019s highest-cost counties are coastal or storm-exposed. Monroe County, Miami-Dade, Broward, Palm Beach, Collier, Pinellas, Sarasota, Walton, Bay, and other coastal areas can face elevated wind, hurricane, storm surge, and rebuilding risks.<\/p>\n

Coastal exposure can influence rates because insurers must consider the chance of severe wind damage, roof damage, water intrusion, and total-loss scenarios. Homes near the coast may also be more expensive to rebuild because of labor costs, construction codes, access challenges, and demand after a major storm.<\/p>\n

However, \u201ccoastal\u201d does not automatically mean every home in the county has the same premium. A newer inland concrete-block home with a recent roof and strong wind mitigation features may cost less to insure than an older home closer to the water with an aging roof.<\/p>\n

Inland Counties Can Still Have High Rates<\/h2>\n

It is easy to assume only coastal counties have expensive home insurance, but that is not always true. The OIR report shows some inland or less obviously coastal counties with relatively high averages, including Gadsden, Desoto, Jackson, Hamilton, Leon, and Okeechobee.<\/p>\n

There are several reasons this can happen. A county average may be affected by the mix of homes insured, carrier participation, claims history, roof age, insured values, reinsurance costs, and the number of policies in force. In smaller counties, fewer policies can sometimes make averages more sensitive to the types of homes included in the data.<\/p>\n

That is why homeowners should avoid relying only on coastal-versus-inland assumptions. Your home\u2019s characteristics matter.<\/p>\n

What Drives Your Florida Home Insurance Rate?<\/h2>\n

County is only one part of the rating process. Your individual premium may depend on many factors.<\/p>\n

Replacement Cost<\/h3>\n

Homeowners insurance is generally based on the cost to rebuild your home, not necessarily the market value or purchase price. A home with higher replacement cost usually needs more dwelling coverage, which can increase the premium.<\/p>\n

Roof Age and Roof Type<\/h3>\n

Roof age is one of the biggest pricing and eligibility factors in Florida. A newer roof may help you qualify for more options, while an older roof may limit carrier choices or increase premium. Roof shape and material also matter. Hip roofs, metal roofs, tile roofs, and shingle roofs may be rated differently.<\/p>\n

Wind Mitigation Features<\/h3>\n

Florida homes with wind-resistant features may qualify for credits. These may include roof-to-wall connections, opening protection, secondary water resistance, roof deck attachment, and other wind mitigation characteristics.<\/p>\n

Construction Type<\/h3>\n

Concrete block, frame, masonry, and other construction types can affect premium. Insurers consider how the home may perform during wind, water, and fire events.<\/p>\n

Deductibles<\/h3>\n

Florida homeowners policies may include a standard deductible and a separate hurricane or windstorm deductible. Higher deductibles may lower the premium but increase what you pay after a claim.<\/p>\n

Claims History<\/h3>\n

Prior claims can affect pricing and eligibility. Insurers may review claims associated with the property and with the policyholder.<\/p>\n

Coverage Choices<\/h3>\n

Optional coverages, higher personal property limits, water backup, ordinance or law coverage, screened enclosure coverage, pool cage coverage, and other endorsements can affect the final premium.<\/p>\n

Why Hurricane Deductibles Matter<\/h2>\n

Florida homeowners should pay close attention to hurricane deductibles. A policy may show a lower annual premium but include a higher hurricane deductible. That can make a big difference after a storm.<\/p>\n

A hurricane deductible is often expressed as a percentage of the dwelling coverage limit. For example, if your home is insured for $400,000 and your hurricane deductible is 2%, you may be responsible for $8,000 before insurance begins paying for covered hurricane damage.<\/p>\n

When comparing home insurance rates by county, make sure you are comparing similar deductible structures. A quote with a 5% hurricane deductible is not the same as a quote with a 2% deductible.<\/p>\n

How much could you save on Florida Homeowners Insurance? It takes two minutes to find out.<\/p>Get a Free Quote<\/a><\/div>\n

Flood Insurance Is Separate<\/h2>\n

Homeowners insurance<\/a> and flood insurance<\/a> are not the same. Standard homeowners insurance usually does not cover flood damage caused by rising water, storm surge, overflowing bodies of water, or heavy rain that enters from the ground up.<\/p>\n

This is especially important in Florida, where flood risk exists both on the coast and inland. A county with high homeowners insurance rates may also have significant flood exposure, but the homeowners premium may not include flood insurance.<\/p>\n

The Insurance Information Institute<\/a> explains that standard homeowners insurance covers many common losses, but homeowners should understand what is and is not included in the policy. Flood coverage is typically purchased separately.<\/p>\n

How to Compare Home Insurance Rates by County<\/h2>\n

Florida homeowners can use county-level averages to understand the market, but quotes should be compared home-by-home. The Florida Office of Insurance Regulation offers the CHOICES homeowners rate comparison tool, which provides sample average rates for companies writing insurance in each county.<\/p>\n

When comparing quotes, look beyond the premium. Compare:<\/p>\n