Florida counties where the most homeowners are stuck on Citizens.
Citizens is Florida's state-backed insurer of last resort. You do not choose Citizens, you land there when private carriers will not write or renew your home. So the number of Citizens policies in a county is a direct map of where Florida's private insurance market has broken. These are the counties carrying the most.
| # | County | Citizens policies | Home value | Score |
|---|---|---|---|---|
| 1 | Miami-Dade County | 56,357 | $521,999 | 17 |
| 2 | Broward County | 35,154 | $423,722 | 28 |
| 3 | Pinellas County | 20,791 | $370,627 | 46 |
| 4 | Palm Beach County | 18,387 | $471,499 | 24 |
| 5 | Pasco County | 8,233 | $332,569 | 65 |
| 6 | Brevard County | 6,986 | $344,842 | 59 |
| 7 | Hillsborough County | 6,518 | $379,631 | 50 |
| 8 | Lee County | 6,508 | $339,372 | 49 |
| 9 | Polk County | 5,380 | $298,816 | 59 |
| 10 | Manatee County | 5,326 | $409,046 | 37 |
| 11 | Sarasota County | 4,849 | $398,681 | 45 |
| 12 | Hernando County | 4,534 | $310,841 | 64 |
| 13 | Orange County | 4,204 | $405,720 | 40 |
| 14 | Volusia County | 3,573 | $324,661 | 44 |
| 15 | Lake County | 3,500 | $365,241 | 56 |
| 16 | Saint Lucie County | 2,890 | $372,606 | 45 |
| 17 | Charlotte County | 2,415 | $298,142 | 58 |
| 18 | Citrus County | 2,306 | $272,823 | 65 |
| 19 | Osceola County | 2,188 | $363,216 | 41 |
| 20 | Highlands County | 2,015 | $236,074 | 76 |
| 21 | Collier County | 2,002 | $556,356 | 19 |
| 22 | Duval County | 2,001 | $296,782 | 58 |
| 23 | Marion County | 1,973 | $273,317 | 68 |
| 24 | Martin County | 1,552 | $449,671 | 23 |
| 25 | Monroe County | 1,542 | $966,757 | 17 |
| 26 | Indian River County | 1,407 | $365,803 | 39 |
| 27 | Bay County | 1,264 | $345,836 | 37 |
| 28 | Seminole County | 1,203 | $404,154 | 50 |
| 29 | Okaloosa County | 1,101 | $355,824 | 58 |
| 30 | Escambia County | 1,026 | $281,903 | 69 |
| 31 | Saint Johns County | 977 | $492,726 | 46 |
| 32 | Santa Rosa County | 876 | $352,252 | 73 |
| 33 | Alachua County | 714 | $308,496 | 46 |
| 34 | Okeechobee County | 681 | $292,913 | 34 |
| 35 | Levy County | 658 | $292,380 | 34 |
| 36 | Sumter County | 656 | $389,734 | 37 |
| 37 | Leon County | 627 | $296,215 | 52 |
| 38 | Clay County | 606 | $336,835 | 74 |
| 39 | Putnam County | 550 | $220,798 | 55 |
| 40 | Flagler County | 435 | $349,999 | 52 |
| 41 | Walton County | 433 | $656,360 | 19 |
| 42 | Nassau County | 389 | $482,069 | 28 |
| 43 | De Soto County | 338 | $252,156 | 39 |
| 44 | Hendry County | 323 | $278,929 | 41 |
| 45 | Taylor County | 286 | $197,489 | 70 |
| 46 | Columbia County | 274 | $271,232 | 52 |
| 47 | Suwannee County | 255 | $274,411 | 55 |
| 48 | Gilchrist County | 241 | $308,050 | 52 |
| 49 | Dixie County | 235 | $222,641 | 53 |
| 50 | Glades County | 232 | $266,330 | 26 |
| 51 | Baker County | 224 | $316,707 | 64 |
| 52 | Gadsden County | 214 | $203,008 | 67 |
| 53 | Wakulla County | 199 | $287,920 | 71 |
| 54 | Jackson County | 180 | $184,210 | 82 |
| 55 | Bradford County | 158 | $257,301 | 68 |
| 56 | Hardee County | 139 | $242,544 | 63 |
| 57 | Jefferson County | 131 | $309,004 | 30 |
| 58 | Washington County | 116 | $225,216 | 66 |
| 59 | Franklin County | 115 | $425,681 | 21 |
| 60 | Madison County | 94 | $213,448 | 61 |
| 61 | Holmes County | 89 | $194,032 | 57 |
| 62 | Gulf County | 74 | $404,460 | 13 |
| 63 | Union County | 63 | $270,960 | 94 |
| 64 | Liberty County | 60 | $206,422 | 74 |
| 65 | Lafayette County | 53 | $268,477 | 71 |
| 66 | Calhoun County | 46 | $180,453 | 71 |
| 67 | Hamilton County | 38 | $209,557 | 45 |
Tap a county for its full scorecard (home value, cap rate, scores, migration, permits, insurance). Citizens Property Insurance Corporation, Policies in Force by County.
More Florida rankings
Common questions
Which Florida county ranks first for citizens policies?
Miami-Dade County leads, followed by Broward County and Pinellas County. The full ranking of 67 counties is in the table above.
Where does this data come from?
Citizens Property Insurance Corporation, Policies in Force by County. Tap any county to open its full scorecard. Data current as of 2026-07-06.