On this page
Florida homeowners insurance rates by county average $3,757 a year for a policy with wind coverage, based on Florida Office of Insurance Regulation data as of March 31, 2026. The county spread is wide. Monroe County, the Keys, averages $7,863 a year with wind coverage, the highest in the state. Sumter County averages $2,105 a year, the lowest. Without wind coverage the statewide average is $2,586 a year, which shows how much of a Florida premium is hurricane risk.
The Office of Insurance Regulation, or OIR, calculates these averages from its Market Intelligence Report data: total premium in force divided by policies in force, for every admitted carrier, every coverage amount and deductible, with Citizens Property Insurance included. That method makes this table a record of what insured homes actually pay in each county. It is a different measure from quote site estimates for one sample house, which is why published Florida averages elsewhere range from about $2,000 to more than $10,000 a year.
- Statewide average with wind coverage: $3,757 a year, about $313 a month (Florida OIR).
- Highest county: Monroe at $7,863 a year with wind coverage.
- Lowest county: Sumter at $2,105 a year with wind coverage.
- Orange County, including Orlando: $3,610 a year with wind coverage.
- The average premium fell in 51 of 67 counties between the January and July 2026 OIR reports.
What is the average homeowners insurance rate in Florida?
The average Florida homeowners premium is $3,757 a year with wind coverage and $2,586 a year without it, in OIR data as of March 31, 2026. Wind coverage accounts for roughly a third of the typical premium statewide and most of the premium in coastal counties such as Monroe, where the with wind average of $7,863 sits beside a without wind average of $1,871 for the same housing stock.
Averages blend every insured value in a county, so a county with larger, newer homes can post a higher average than a riskier county with smaller homes. Read your county figure as a position marker, then price your own home on its roof age, construction, coverage amount and deductible. Our national view of average home insurance cost by ZIP code shows how Florida compares with the rest of the country on a similar actual premium basis.
What are Florida homeowners insurance rates by county?
Monroe County has the highest average at $7,863 a year with wind coverage, followed by Palm Beach at $6,323, Broward at $6,136, Miami-Dade at $5,975 and Martin at $5,899. The lowest averages are inland: Sumter at $2,105, Marion at $2,191, Wakulla at $2,292, Baker at $2,346 and Hernando at $2,360. Every county figure below is the OIR average premium actually charged.
| County | Average premium with wind coverage | Average premium without wind coverage |
|---|---|---|
| Alachua | $2,525 | $1,804 |
| Baker | $2,346 | $2,913 |
| Bay | $3,465 | $1,577 |
| Bradford | $2,623 | $1,950 |
| Brevard | $3,532 | $1,975 |
| Broward | $6,136 | $3,008 |
| Calhoun | $3,122 | $2,649 |
| Charlotte | $3,160 | $1,661 |
| Citrus | $2,456 | $1,560 |
| Clay | $2,540 | $2,047 |
| Collier | $5,534 | $3,169 |
| Columbia | $2,557 | $2,118 |
| DeSoto | $3,421 | $2,167 |
| Dixie | $2,748 | $1,559 |
| Duval | $2,786 | $2,095 |
| Escambia | $3,702 | $1,670 |
| Flagler | $2,488 | $1,641 |
| Franklin | $5,221 | $1,954 |
| Gadsden | $2,723 | $2,226 |
| Gilchrist | $2,513 | $1,872 |
| Glades | $3,477 | $2,019 |
| Gulf | $3,752 | $1,612 |
| Hamilton | $2,711 | $2,044 |
| Hardee | $3,376 | $2,246 |
| Hendry | $2,999 | $1,983 |
| Hernando | $2,360 | $1,985 |
| Highlands | $2,736 | $1,599 |
| Hillsborough | $3,525 | $2,676 |
| Holmes | $2,942 | $2,560 |
| Indian River | $4,334 | $2,744 |
| Jackson | $2,851 | $2,300 |
| Jefferson | $2,782 | $2,083 |
| Lafayette | $2,903 | $1,649 |
| Lake | $2,650 | $1,988 |
| Lee | $3,576 | $2,119 |
| Leon | $2,538 | $1,710 |
| Levy | $2,698 | $1,634 |
| Liberty | $2,880 | $1,872 |
| Madison | $2,735 | $1,482 |
| Manatee | $3,181 | $1,859 |
| Marion | $2,191 | $1,766 |
| Martin | $5,899 | $2,471 |
| Miami-Dade | $5,975 | $3,779 |
| Monroe | $7,863 | $1,871 |
| Nassau | $3,051 | $1,608 |
| Okaloosa | $3,889 | $1,889 |
| Okeechobee | $3,730 | $1,973 |
| Orange | $3,610 | $2,565 |
| Osceola | $2,940 | $2,433 |
| Palm Beach | $6,323 | $3,175 |
| Pasco | $2,756 | $1,917 |
| Pinellas | $4,063 | $2,034 |
| Polk | $2,767 | $2,185 |
| Putnam | $2,621 | $1,768 |
| Santa Rosa | $3,512 | $1,951 |
| Sarasota | $3,457 | $1,482 |
| Seminole | $3,545 | $2,372 |
| St. Johns | $2,883 | $2,055 |
| St. Lucie | $3,491 | $1,932 |
| Sumter | $2,105 | $1,352 |
| Suwannee | $2,749 | $1,783 |
| Taylor | $2,698 | $1,300 |
| Union | $2,667 | $3,475 |
| Volusia | $2,808 | $1,637 |
| Wakulla | $2,292 | $1,956 |
| Walton | $5,409 | $1,891 |
| Washington | $2,871 | $2,628 |
Source: Florida Office of Insurance Regulation, Property Insurance Stability Report, July 1, 2026, using Market Intelligence Report data as of March 31, 2026, reproduced in full at livecovered.com. The without wind column covers a small set of policies where wind cover was bought separately or declined, so in a few rural counties with small counts it sits above the with wind figure. Flood insurance is a separate policy and appears in none of these figures.
Which Florida counties have the highest homeowners insurance rates?
The highest rates are in South Florida and the Keys. Monroe County averages $7,863 a year with wind coverage, Palm Beach $6,323, Broward $6,136, Miami-Dade $5,975 and Martin $5,899, with Walton at $5,409 and Collier at $5,534 close behind. These counties combine direct hurricane exposure with high rebuilding costs, so both halves of the premium, risk and insured value, run high at once.
Miami-Dade shows the wind effect in one pair of numbers: $5,975 a year with wind coverage and $3,779 without it, the highest without wind average in the state. Even the non wind part of cover costs more there, reflecting rebuilding costs and claim patterns. Monroe is the opposite shape: $7,863 with wind and only $1,871 without, because so much of its risk is storm surge and wind on barrier islands, and many Citizens policies there are wind only layers over a private policy.
Which Florida counties have the lowest rates?
Sumter County has the lowest average at $2,105 a year with wind coverage. Marion follows at $2,191, then Wakulla at $2,292, Baker at $2,346 and Hernando at $2,360. These are inland or low exposure counties with lower average insured values. The gap between Sumter and Monroe is about $5,758 a year for the average policy, in the same state and under the same state regulator.
Inland does not guarantee a low average. DeSoto posts $3,421, Glades $3,477, Hardee $3,376 and Okeechobee $3,730, all above the statewide midpoint for inland counties. Older housing stock, manufactured homes and the flood and wind exposure around Lake Okeechobee push those averages up. County is a starting point for a quote, and the individual house decides the rest.
How much is homeowners insurance in Orlando and Orange County?
Orange County, which contains Orlando, averages $3,610 a year with wind coverage and $2,565 without it in the OIR data. That puts Orlando area homeowners a little below the statewide average of $3,757, despite rapid growth and high rebuilding costs, because the county sits inland and its hurricane losses arrive as wind and rain from weakened storms rather than as storm surge at landfall.
Neighbouring counties price close to Orange: Osceola at $2,940, Seminole at $3,545, Lake at $2,650 and Volusia, on the coast, at $2,808 with wind coverage. A move across a county line in Central Florida changes the average by hundreds of dollars rather than thousands. The larger jumps in this state happen between inland counties and the South Florida and Keys group in the table above.
Why do rates differ so much by county?
Wind exposure explains most of the spread. Distance to open water and the shape of the coastline set the modelled hurricane loss for a county, which is why the with wind and without wind columns sit far apart on the coast and close together inland. Rebuilding cost is the second driver: premium scales with the insured value of the home, and counties with larger, costlier homes post higher averages at the same rate per thousand dollars of cover.
Housing age and roof condition come next. Homes built to the Florida Building Code adopted in 2002, and homes with documented roof and opening protection, earn credits that older homes get only after a new roof or a mitigation inspection. Counties that grew after 2002 show that advantage in their averages. The carrier mix matters too: the balance between private admitted carriers and Citizens, the state backed insurer, differs by county and shifts each county average. Our companion guide to the best and worst homeowners insurance companies in Florida covers which carriers write where, and our flood insurance rates by ZIP code guide prices the separate flood policy these averages exclude.
Are Florida homeowners insurance rates falling in 2026?
Yes, on the OIR measure. The average homeowners premium with wind coverage fell in 51 of the 67 counties between the January 1, 2026 report and the July 1, 2026 report, and the OIR describes the downward rate trend as continuing through 2025 and into 2026. Monroe is a partial exception, rising slightly from $7,829 to $7,863, while large counties such as Palm Beach and Broward edged down from $6,412 and $6,220.
A falling county average does not promise a falling renewal for a specific house. Your renewal still turns on your roof age, your claims history, your coverage amount and your carrier own filing. Homeowners in counties with falling averages who still receive a large increase are the ones with the most to gain from shopping, since other carriers filing decreases are actively looking for Florida business again after several years of retreat.
How can you lower your premium in an expensive county?
Get a wind mitigation inspection and file it with your carrier. The inspection documents roof shape, roof to wall attachments, opening protection and other features that earn filed credits, and it is the standard lever in coastal counties where wind is most of the premium. Raising your hurricane deductible lowers the premium too, at the cost of a larger payment from you after a storm, so size that choice against your savings.
Shop the policy every year or two. Carrier appetite for Florida risk is changing quickly as new companies enter and filings fall, and the spread between quotes for the same house is often $1,000 a year or more in agent comparisons. Keep the coverage amount honest: insure to rebuilding cost, review personal property limits you no longer need, and ask about credits for a new roof, shutters and a monitored alarm where your carrier files them.
Frequently asked questions
What is the average homeowners insurance rate in Florida in 2026?
The statewide average is $3,757 a year, about $313 a month, for a homeowners policy with wind coverage, based on Florida Office of Insurance Regulation data as of March 31, 2026. Without wind coverage the average is $2,586 a year. Averages blend every insured value and deductible in force, so your own premium can sit far from your county figure.
Which Florida county has the highest homeowners insurance rates?
Monroe County, the Florida Keys, at an average of $7,863 a year with wind coverage in OIR data as of March 31, 2026. Palm Beach County is second at $6,323, then Broward at $6,136 and Miami-Dade at $5,975. Monroe also has one of the lowest without wind averages, $1,871, which shows how much of its premium is hurricane exposure.
Which Florida county has the cheapest homeowners insurance?
Sumter County averages $2,105 a year with wind coverage, the lowest in the state in OIR data as of March 31, 2026. Marion County is next at $2,191, then Wakulla at $2,292 and Baker at $2,346. These inland counties combine lower storm exposure with lower average insured values than the South Florida coast.
Why is homeowners insurance so expensive in Miami-Dade County?
Miami-Dade averages $5,975 a year with wind coverage and $3,779 without it, the highest without wind figure in Florida. Direct Atlantic hurricane exposure drives the wind part. High rebuilding costs, dense housing and a long history of claims and litigation costs drive the rest. Both halves of the premium run high in the same county, which is why its total sits near the top.
Do Florida county averages include flood insurance?
No. Flood insurance is a separate policy on every Florida homeowners form and appears in none of the OIR county averages in this guide. A home in a high risk flood zone with a mortgage will usually be required to carry flood cover as well, priced through the National Flood Insurance Program or a private flood carrier, on top of the homeowners premium.
