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.
How much is home insurance in Florida per month?
About $154 a month on the statewide Citizens average of $1,843 a year (April 2026 data). Duval County averages about $110 a month, Orange County about $117, Hillsborough about $151 and Miami-Dade about $158. Monroe County is the outlier at roughly $365 a month.
Which Florida county has the cheapest home insurance?
Baker County, at about $836 a year on Citizens policies, followed by Liberty County ($922) and Lafayette County ($972). Inland North Florida counties sit at the bottom of the table because wind exposure is lower and the housing stock is newer and cheaper to rebuild.
Which Florida county has the most Citizens policies?
Miami-Dade County, with 56,357 policies in force, then Broward County (35,154) and Pinellas County (20,791). Those three counties hold 49% of the 228,964 Citizens policies statewide, which is a direct read on where private carriers are least willing to write.
Does this average include flood insurance?
No. Standard homeowners policies, Citizens included, exclude flood. Flood coverage is a separate NFIP or private policy, and in a FEMA AE or VE zone it can cost as much as the homeowners policy itself. Use the Florida flood insurance calculator and the Jacksonville flood zone map to price that layer.
Why is home insurance so expensive in Florida?
Hurricane exposure drives reinsurance cost, and reinsurance is a large share of every Florida premium. A decade of roof-claim litigation pushed carriers out of the state and rates up. Both trends turned in 2025 and 2026: Citizens cut rates 2.6% statewide for 2026, its first decrease since 2015, and 44 carriers have filed decreases since 2024. The full picture is in Is the Florida insurance crisis over?
How can I lower my Florida homeowners insurance premium?
A wind mitigation inspection (about $75 to $150) documents roof straps, shutters and opening protection and can cut the wind portion of a premium, often by 20% or more. A roof under 10 years old, a higher hurricane deductible, bundling auto, and re-shopping with an independent agent each year all move the number. The insurance savings calculator estimates what each step is worth.
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.