Florida home insurance cost, by county.
Every county mapped by what homeowners insurance actually costs: the average Citizens premium, how many homes are stuck on Citizens, and total premium written. From official Citizens Property Insurance data, the state insurer of last resort.
Tap a county to open its full scorecard. Source: Citizens Property Insurance, Detail by County (April 2026). Citizens is the insurer of last resort, so these are a realistic floor; private quotes vary by roof age, elevation and flood zone. Boundaries: U.S. Census.
Most and least expensive counties to insure
Most expensive (avg premium)
| County | Avg premium | Policies |
|---|---|---|
| Monroe County | $4,380 | 1,542 |
| Glades County | $2,812 | 232 |
| Okeechobee County | $2,802 | 681 |
| Okaloosa County | $2,644 | 1,101 |
| Martin County | $2,580 | 1,552 |
| Franklin County | $2,575 | 115 |
| Santa Rosa County | $2,444 | 876 |
| Hendry County | $2,420 | 323 |
Least expensive (avg premium)
| County | Avg premium | Policies |
|---|---|---|
| Baker County | $836 | 224 |
| Liberty County | $922 | 60 |
| Lafayette County | $972 | 53 |
| Leon County | $990 | 627 |
| Columbia County | $1,009 | 274 |
| Alachua County | $1,020 | 714 |
Where the most homes rely on Citizens
| County | Policies on Citizens | Avg premium |
|---|---|---|
| Miami-Dade County | 56,357 | $1,891 |
| Broward County | 35,154 | $1,561 |
| Pinellas County | 20,791 | $1,911 |
| Palm Beach County | 18,387 | $1,753 |
| Pasco County | 8,233 | $1,659 |
| Brevard County | 6,986 | $2,348 |
| Hillsborough County | 6,518 | $1,816 |
| Lee County | 6,508 | $2,197 |
The average Citizens Property Insurance premium in Florida is about $1,843 a year, ranging from under $836 in the cheapest county to $4,380 in Monroe County (the Florida Keys), with about 228,964 homes statewide now on the state insurer of last resort.
Free to cite or embed with attribution to Momentum Realty. Source data: county dataset (JSON). Media contact: jon@movewithmomentum.com, (904) 351-6461 · press kit.
Common questions
Which Florida county has the most expensive home insurance?
By average Citizens premium, Monroe County is the most expensive at about $4,380 a year. Citizens is Florida's insurer of last resort, so its county average is a realistic floor for hard-to-place homes.
What is the average home insurance premium in Florida?
Across the Citizens book statewide, the average premium is about $1,843 a year, on roughly 228,964 policies. Private-market premiums vary widely by roof age, elevation and flood zone.
Why use Citizens data to compare insurance costs?
Citizens is the state-created insurer of last resort, so its premiums are public and consistent across all 67 counties, which makes it the cleanest apples-to-apples way to compare insurance cost and market stress county by county. Where Citizens is most expensive or most used is where the private market is tightest.
Data: Citizens Property Insurance Corporation, Detail by County. Read the full Florida insurance crisis report, the most expensive counties ranking, or run a real monthly cost in the True Cost calculator. Related maps: value map · migration map.