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 |
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.