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.
Home insurance cost by city
Estimated annual premium for a typical home in 450 Florida cities: the county Citizens average scaled to each city’s home values, ZIP by ZIP. Full city index. Data release: insurance vs. property tax, county by county.
Show all cities by county
Alachua County: Alachua $1,300 · Archer $1,250 · Earleton $1,470 · Gainesville $1,190 · High Springs $1,300 · Newberry $1,390 · Waldo $910
Baker County: Glen Saint Mary $1,270 · Macclenny $1,010 · Sanderson $920
Bay County: Fountain $1,420 · Lynn Haven $2,670 · Panama City $2,360 · Panama City Beach $3,260 · Southport $3,080 · Youngstown $2,250
Bradford County: Hampton $1,290 · Lawtey $1,140 · Starke $1,130
Brevard County: Cape Canaveral $2,600 · Cocoa $2,510 · Cocoa Beach $3,740 · Grant-Valkaria $4,260 · Indialantic $4,620 · Malabar $4,570 · Melbourne $3,100 · Melbourne Beach $5,070 · Merritt Island $3,540 · Micco $1,820 · Mims $3,180 · Palm Bay $2,550 · Rockledge $3,030 · Satellite Beach $4,070 · Titusville $2,250
Broward County: Coconut Creek $2,480 · Coral Springs $3,170 · Dania Beach $2,290 · Davie $4,190 · Deerfield Beach $2,500 · Fort Lauderdale $4,030 · Hallandale $1,910 · Hollywood $3,160 · Lauderhill $1,460 · Margate $2,000 · Miramar $3,160 · North Lauderdale $2,490 · Oakland Park $2,780 · Parkland $5,640 · Pembroke Pines $3,940 · Plantation $3,080 · Pompano Beach $2,960 · Southwest Ranches $7,040 · Sunrise $2,520 · Tamarac $1,680 · Weston $4,790
Calhoun County: Altha $2,000 · Blountstown $1,610 · Clarksville $2,180
Charlotte County: Englewood $2,530 · Port Charlotte $2,730 · Punta Gorda $3,120 · Rotonda West $3,140
Citrus County: Beverly Hills $1,500 · Crystal River $1,730 · Floral City $1,690 · Hernando $2,250 · Homosassa $1,850 · Inverness $1,520 · Lecanto $2,050
Clay County: Fleming Island $2,110 · Florahome $1,010 · Green Cove Springs $1,640 · Keystone Heights $1,360 · Melrose $1,490 · Middleburg $1,560 · Orange Park $1,490
Collier County: Chokoloskee $1,870 · Everglades $1,810 · Immokalee $2,070 · Marco Island $5,130 · Naples $3,380
Columbia County: Fort White $1,430 · Lake City $1,100
De Soto County: Arcadia $2,090
Dixie County: Cross City $1,200 · Horseshoe Beach $1,590 · Old Town $1,690 · Steinhatchee $2,060
Duval County: Jacksonville $1,770 · Jacksonville Beach $3,840 · Neptune Beach $4,460
Escambia County: Cantonment $3,750 · Century $2,350 · Mc David $3,370 · Molino $4,320 · Pensacola $3,090
Flagler County: Bunnell $1,840 · Flagler Beach $2,930 · Palm Coast $2,260
Franklin County: Apalachicola $3,820 · Carrabelle $3,410 · Eastpoint $9,660
Gadsden County: Chattahoochee $970 · Gretna $830 · Havana $2,210 · Midway $2,090 · Quincy $1,580
Gilchrist County: Bell $1,320 · Trenton $1,280
Glades County: Moore Haven $2,380
Gulf County: Port Saint Joe $4,740 · Wewahitchka $2,030
Hamilton County: Jasper $1,360 · Jennings $1,770 · White Springs $1,560
Hardee County: Bowling Green $1,760 · Ona $3,680 · Wauchula $2,050 · Zolfo Springs $2,540
Hendry County: Clewiston $3,030 · Felda $6,060 · Labelle $3,420
Hernando County: Brooksville $2,040 · Hernando Beach $2,590 · Nobleton $1,000 · Spring Hill $1,900 · Weeki Wachee $2,180
Highlands County: Avon Park $1,800 · Lake Placid $2,090 · Lorida $2,230 · Sebring $2,250 · Venus $3,350
Hillsborough County: Apollo Beach $2,820 · Brandon $2,270 · Citrus Park $2,740 · Dover $2,830 · Gibsonton $2,020 · Lithia $3,320 · Lutz $3,180 · Odessa $4,280 · Plant City $2,440 · Riverview $2,470 · Ruskin $2,000 · Seffner $2,290 · Sun City Center $1,740 · Tampa $2,590 · Temple Terrace $1,910 · Thonotosassa $2,640 · Valrico $2,650 · Westchase $3,650 · Wimauma $2,220
Holmes County: Westville $1,990
Indian River County: Fellsmere $2,870 · Indian River Shores $7,780 · Sebastian $2,950 · Vero Beach $2,810
Jackson County: Alford $2,000 · Bascom $1,780 · Campbellton $1,320 · Chipley $1,860 · Graceville $1,700 · Grand Ridge $1,840 · Greenwood $1,580 · Malone $1,290 · Marianna $1,900 · Sneads $1,500
Jefferson County: Lamont $1,050 · Monticello $1,380
Lafayette County: Branford $1,590 · Mayo $1,500
Lake County: Astatula $1,970 · Astor $1,530 · Clermont $2,290 · Eustis $2,080 · Fruitland Park $1,620 · Grand Island $1,760 · Groveland $2,010 · Howey in the Hills $2,200 · Lady Lake $1,730 · Leesburg $1,520 · Mascotte $1,760 · Minneola $2,500 · Montverde $3,860 · Mount Dora $2,130 · Paisley $1,230 · Sorrento $2,250 · Tavares $1,690 · Umatilla $1,600 · Yalaha $1,880
Lee County: Alva $3,170 · Boca Grande $6,990 · Bokeelia $3,000 · Bonita Springs $4,530 · Cape Coral $2,770 · Captiva $6,990 · Estero $3,940 · Fort Myers $2,500 · Fort Myers Beach $4,060 · Lehigh Acres $2,370 · North Fort Myers $2,140 · Saint James City $3,590 · Sanibel $6,620
Leon County: Tallahassee $1,200
Levy County: Bronson $1,390 · Cedar Key $1,680 · Inglis $1,420 · Morriston $2,600 · Williston $1,640 · Yankeetown $1,560
Liberty County: Bristol $1,140 · Telogia $1,070
Madison County: Greenville $1,510 · Lee $1,740 · Madison $1,250 · Pinetta $1,880
Manatee County: Anna Maria $6,290 · Bradenton $2,130 · Cortez $4,920 · Ellenton $2,310 · Holmes Beach $5,320 · Lakewood Ranch $3,720 · Myakka City $4,070 · Palmetto $2,170 · Parrish $2,550 · Terra Ceia $4,620
Marion County: Altoona $1,640 · Anthony $2,050 · Belleview $1,380 · Citra $1,750 · Dunnellon $1,610 · Fort Mc Coy $880 · Micanopy $1,780 · Ocala $1,570 · Ocklawaha $1,370 · Reddick $2,210 · Silver Springs $1,180 · Summerfield $1,610 · Weirsdale $2,440
Martin County: Hobe Sound $4,290 · Indiantown $2,610 · Jensen Beach $3,430 · Palm City $5,010 · Stuart $3,490 · Tequesta $5,900
Miami-Dade County: Aventura $2,690 · Bal Harbour $7,310 · Brownsville $2,510 · Coral Gables $7,660 · Cutler Bay $2,890 · Doral $3,260 · Florida City $2,230 · Fountainbleau $2,170 · Hialeah $3,110 · Homestead $2,660 · Ives Estates $1,600 · Key Biscayne $7,660 · Miami $3,540 · Miami Beach $3,380 · Miami Gardens $2,800 · Miami Lakes $2,160 · Miami Springs $3,550 · North Miami $2,730 · North Miami Beach $2,900 · Opa-locka $2,750 · Pinecrest $7,660 · The Crossings $3,070 · The Hammocks $3,330 · Village of Palmetto Bay $5,900 · West Little River $2,630 · Westview $2,750
Monroe County: Big Pine Key $5,000 · Islamorada $7,260 · Key Colony Beach $5,930 · Key Largo $7,380 · Key West $6,390 · Layton $6,070 · Marathon $5,640 · Summerland Key $6,930
Nassau County: Bryceville $1,400 · Callahan $1,360 · Fernandina Beach $2,130 · Hilliard $1,260 · Yulee $1,350
Okaloosa County: Baker $2,980 · Crestview $2,640 · Destin $5,640 · Eglin AFB $3,020 · Fort Walton Beach $2,990 · Holt $2,500 · Mary Esther $2,920 · Niceville $3,990 · Paxton $2,710 · Shalimar $3,540
Okeechobee County: Okeechobee $3,150
Orange County: Apopka $2,200 · Bay Lake $4,420 · Bithlo $3,010 · Christmas $2,690 · Doctor Phillips $2,760 · Gotha $2,800 · Maitland $2,550 · Oakland $2,910 · Ocoee $2,280 · Orlando $2,150 · Pine Hills $1,440 · Windermere $3,900 · Winter Garden $3,170 · Winter Park $3,350 · Zellwood $1,870
Osceola County: Campbell $2,230 · Intercession City $1,310 · Kenansville $2,560 · Kissimmee $2,250 · Saint Cloud $2,420
Palm Beach County: Belle Glade $2,010 · Boca Raton $4,680 · Boynton Beach $2,900 · Century Village $1,630 · Delray Beach $2,320 · Greenacres $2,660 · Jupiter $4,660 · Lake Park $2,660 · Lake Worth Beach $2,690 · Loxahatchee $4,590 · North Palm Beach $4,230 · Pahokee $1,630 · Palm Beach $8,140 · Palm Beach Gardens $5,010 · Palm Springs $2,120 · Riviera Beach $2,980 · South Bay $1,630 · Wellington $4,680 · West Palm Beach $3,010
Pasco County: Dade City $1,870 · Holiday $1,360 · Hudson $1,820 · Land O Lakes $2,600 · New Port Richey $1,750 · Port Richey $1,410 · San Antonio $2,110 · Wesley Chapel $2,510 · Zephyrhills $2,040
Pinellas County: Belleair Beach $5,980 · Clearwater $2,320 · Dunedin $2,780 · Gulfport $2,440 · Indian Rocks Beach $4,740 · Largo $2,360 · Madeira Beach $3,400 · Oldsmar $2,450 · Palm Harbor $3,160 · Pinellas Park $2,020 · Safety Harbor $3,360 · Saint Pete Beach $3,790 · Saint Petersburg $2,180 · Seminole $2,500 · South Highpoint $1,690 · Tarpon Springs $3,160 · Tierra Verde $3,100
Polk County: Auburndale $2,200 · Bartow $2,010 · Davenport $2,480 · Dundee $1,920 · Eagle Lake $2,060 · Eaton Park $1,390 · Fort Meade $1,650 · Frostproof $1,560 · Haines City $2,120 · Lake Alfred $2,220 · Lake Hamilton $2,240 · Lake Wales $1,890 · Lakeland $2,270 · Mulberry $2,070 · Poinciana $2,000 · Polk City $1,890 · Winter Haven $1,900
Putnam County: Crescent City $1,410 · East Palatka $1,820 · Georgetown $1,530 · Hawthorne $1,600 · Interlachen $1,150 · Palatka $1,420 · Pomona Park $1,650 · San Mateo $1,670 · Satsuma $1,380
Saint Johns County: Elkton $1,500 · Hastings $1,110 · Ponte Vedra $2,620 · Ponte Vedra Beach $3,390 · Saint Augustine $1,850 · Saint Johns $2,160
Saint Lucie County: Fort Pierce $2,410 · Port Saint Lucie $3,200
Santa Rosa County: Gulf Breeze $5,580 · Jay $2,880 · Milton $2,920 · Navarre $4,280 · Pace $3,370
Sarasota County: Longboat Key $5,900 · Nokomis $3,100 · North Port $1,970 · Osprey $4,080 · Sarasota $2,270 · Siesta Key $5,230 · Venice $2,330
Seminole County: Altamonte Springs $1,500 · Casselberry $1,740 · Geneva $3,050 · Lake Mary $2,430 · Longwood $2,450 · Oviedo $2,840 · Sanford $1,740 · Winter Springs $2,200
Sumter County: Bushnell $1,430 · Center Hill $1,360 · Lake Panasoffkee $1,010 · Oxford $1,670 · The Villages $1,570 · Webster $1,360
Suwannee County: Live Oak $1,200 · O Brien $1,590
Taylor County: Perry $1,610
Union County: Lake Butler $1,640
Volusia County: Daytona Beach $1,630 · De Leon Springs $2,180 · Debary $2,420 · Deland $2,150 · Deltona $1,920 · Edgewater $1,850 · Lake Helen $2,120 · New Smyrna Beach $2,980 · Oak Hill $2,190 · Orange City $1,870 · Ormond Beach $2,310 · Pierson $2,260 · Port Orange $2,250 · Seville $1,650 · South Daytona $1,600
Wakulla County: Crawfordville $1,830 · Panacea $2,670 · Saint Marks $1,670 · Sopchoppy $1,750
Walton County: Defuniak Springs $1,940 · Freeport $2,310 · Inlet Beach $8,390 · Miramar Beach $3,860 · Ponce de Leon $1,940 · Santa Rosa Beach $5,080
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.