The headline was simple: Florida insurance is finally falling. The truth is more useful. Citizens' approved 2026 rates cut premiums in 66 of 67 counties, but the size of your relief swings from about ten percent in North Florida to almost nothing in parts of Central Florida, and a few policy types still rose. Here is your county, from the official filing.
Pick your county to see the approved 2026 change for all personal lines combined, and the average premium before and after. Add your own premium for a rough dollar estimate. These are county averages by policy type from the official filing, not a quote for your specific policy.
For the first time since 2015, Citizens is cutting rates. The Office of Insurance Regulation set the 2026 slate and Citizens announced it on March 4, 2026. Across all personal lines combined the statewide average change is -5.9%, moving the average premium from $2,943 to $2,768 on 782,189 policies. Homeowners multiperil, the most common form, falls about -8.7% on average, and wind-only about -4.8%. The new rates apply to new policies on July 1, 2026 and to existing policies at renewal, so a later renewal date means a later change.
The deepest cuts land where litigation and loss costs fell hardest and where premiums had the most room to come down. North Florida leads: Alachua at -10.4%, with Columbia, Holmes, and Baker also near nine percent. Several large southeast counties see big percentage cuts too, including Miami-Dade at -8.6%, Broward at -8.2%, and Palm Beach at -8.0%, though their dollar premiums stay high. The smallest moves are in parts of Central Florida, where a cluster of counties barely changed: Sumter actually rose +0.3%, the only overall increase of the 67, and Highlands, Okeechobee, Citrus, Glades, and Polk all came in under two percent.
If you are in the Jacksonville area, the news is good. Nassau leads the region at -8.7%, with St. Johns at -7.7%, Clay at -7.4%, Duval at -6.8%, and Putnam at -7.2%, all deeper than the statewide average. The flip side is that these are also lower-premium counties to begin with, so the percentage looks larger than the dollar swing. Pair this with our Jacksonville insurance costs by area breakdown for the local picture.
"Rates are falling" is true for the combined county numbers, but not for every policy form. Inside the approved filing, mobile home lines (MHO3 and MDP1) and some wind-only dwelling policies actually rose in a number of counties, even where the combined county figure fell. If you own a mobile home or carry a wind-only policy, your change can look very different from the county headline. Read your renewal notice for the figure tied to your exact policy form, and ask your agent before assuming the county average is your number.
| # | County | Approved change | Avg premium now | Avg premium 2026 | Relative cut |
|---|---|---|---|---|---|
| 1 | Alachua | -10.4% | $1,340 | $1,201 | |
| 2 | BakerNE FL | -9.2% | $1,166 | $1,058 | |
| 3 | Columbia | -9.2% | $1,400 | $1,271 | |
| 4 | Holmes | -9.2% | $2,112 | $1,917 | |
| 5 | NassauNE FL | -8.7% | $1,832 | $1,672 | |
| 6 | Jefferson | -8.6% | $1,489 | $1,361 | |
| 7 | Miami-Dade | -8.6% | $3,351 | $3,064 | |
| 8 | Union | -8.6% | $1,725 | $1,576 | |
| 9 | Bradford | -8.2% | $1,320 | $1,212 | |
| 10 | Broward | -8.2% | $3,178 | $2,916 | |
| 11 | Calhoun | -8.0% | $1,963 | $1,805 | |
| 12 | Palm Beach | -8.0% | $3,539 | $3,255 | |
| 13 | Jackson | -7.9% | $1,938 | $1,785 | |
| 14 | St. JohnsNE FL | -7.7% | $2,106 | $1,944 | |
| 15 | ClayNE FL | -7.4% | $1,727 | $1,600 | |
| 16 | PutnamNE FL | -7.2% | $1,595 | $1,481 | |
| 17 | Gadsden | -6.9% | $1,781 | $1,659 | |
| 18 | DuvalNE FL | -6.8% | $1,911 | $1,782 | |
| 19 | Madison | -6.8% | $1,534 | $1,430 | |
| 20 | Leon | -6.7% | $1,330 | $1,240 | |
| 21 | Flagler | -6.6% | $2,395 | $2,236 | |
| 22 | Gilchrist | -6.5% | $1,465 | $1,370 | |
| 23 | Lafayette | -6.5% | $1,662 | $1,555 | |
| 24 | Suwannee | -6.5% | $1,459 | $1,365 | |
| 25 | Liberty | -6.4% | $1,191 | $1,115 | |
| 26 | Taylor | -6.1% | $1,734 | $1,627 | |
| 27 | Pinellas | -5.8% | $2,633 | $2,480 | |
| 28 | Volusia | -5.8% | $2,206 | $2,079 | |
| 29 | Seminole | -5.7% | $2,213 | $2,087 | |
| 30 | Sarasota | -5.5% | $2,614 | $2,470 | |
| 31 | Wakulla | -5.0% | $1,899 | $1,804 | |
| 32 | Hardee | -4.7% | $2,201 | $2,098 | |
| 33 | Washington | -4.6% | $2,030 | $1,937 | |
| 34 | Hillsborough | -4.5% | $2,539 | $2,425 | |
| 35 | Lee | -4.3% | $2,923 | $2,797 | |
| 36 | Collier | -4.1% | $3,470 | $3,328 | |
| 37 | Levy | -4.1% | $1,701 | $1,631 | |
| 38 | Charlotte | -4.0% | $2,829 | $2,715 | |
| 39 | Dixie | -4.0% | $1,679 | $1,611 | |
| 40 | Hamilton | -4.0% | $1,561 | $1,499 | |
| 41 | Pasco | -3.9% | $2,116 | $2,033 | |
| 42 | Escambia | -3.8% | $3,371 | $3,244 | |
| 43 | Orange | -3.8% | $2,314 | $2,226 | |
| 44 | Indian River | -3.7% | $3,232 | $3,113 | |
| 45 | Manatee | -3.1% | $2,596 | $2,516 | |
| 46 | Monroe | -3.1% | $6,671 | $6,463 | |
| 47 | Osceola | -3.1% | $2,321 | $2,248 | |
| 48 | Franklin | -3.0% | $5,650 | $5,481 | |
| 49 | Marion | -3.0% | $1,582 | $1,535 | |
| 50 | Walton | -3.0% | $3,992 | $3,873 | |
| 51 | Gulf | -2.7% | $4,098 | $3,988 | |
| 52 | Martin | -2.7% | $3,769 | $3,668 | |
| 53 | Brevard | -2.4% | $2,881 | $2,812 | |
| 54 | Okaloosa | -2.4% | $3,318 | $3,238 | |
| 55 | Bay | -2.2% | $2,898 | $2,834 | |
| 56 | St. Lucie | -2.1% | $3,160 | $3,095 | |
| 57 | Hernando | -2.0% | $2,034 | $1,994 | |
| 58 | Lake | -2.0% | $2,016 | $1,976 | |
| 59 | Santa Rosa | -1.9% | $3,668 | $3,599 | |
| 60 | Hendry | -1.8% | $3,315 | $3,256 | |
| 61 | Polk | -1.5% | $2,177 | $2,144 | |
| 62 | DeSoto | -1.3% | $2,457 | $2,426 | |
| 63 | Citrus | -1.2% | $1,737 | $1,716 | |
| 64 | Glades | -1.2% | $2,947 | $2,911 | |
| 65 | Highlands | -0.9% | $2,056 | $2,038 | |
| 66 | Okeechobee | -0.9% | $3,128 | $3,100 | |
| 67 | Sumter | +0.3% | $1,834 | $1,840 |
Every county percentage and premium on this page is transcribed from Citizens' own 2026 Approved Rate Changes by County filing, ALL PERSONAL LINES COMBINED tab, which reflects the rates set by the Florida Office of Insurance Regulation and announced in Citizens' March 4, 2026 release. Figures are county averages by policy type, not quotes. Your renewal depends on your home, coverage, deductible, mitigation credits, and whether you are offered comparable private coverage that moves you out of Citizens. The personal premium estimate simply applies the county percentage to the number you enter, and is directional only.
See Jacksonville insurance costs by area, estimate switching with the Florida insurance savings calculator, check whether you now need flood insurance, or see why your property tax bill jumped and what the November amendment would do. Open your county: Duval, St. Johns, Clay, Nassau.