Florida Housing Data · Florida Insurance Crisis
The most expensive Florida counties to insure a home.
Average annual premium on a Citizens homeowners policy, county by county. Citizens is the insurer of last resort, so where its average premium runs highest is where coverage has become both scarce and costly. Coastal and South Florida counties dominate the top.
| # | County | Avg Citizens premium | Home value | Score |
|---|---|---|---|---|
| 1 | Monroe County | $4,380 | $966,757 | 17 |
| 2 | Glades County | $2,812 | $266,330 | 26 |
| 3 | Okeechobee County | $2,802 | $292,913 | 34 |
| 4 | Okaloosa County | $2,644 | $355,824 | 58 |
| 5 | Martin County | $2,580 | $449,671 | 23 |
| 6 | Franklin County | $2,575 | $425,681 | 21 |
| 7 | Santa Rosa County | $2,444 | $352,252 | 73 |
| 8 | Hendry County | $2,420 | $278,929 | 41 |
| 9 | Escambia County | $2,364 | $281,903 | 69 |
| 10 | Brevard County | $2,348 | $344,842 | 59 |
| 11 | Saint Lucie County | $2,332 | $372,606 | 45 |
| 12 | Charlotte County | $2,298 | $298,142 | 58 |
| 13 | Lee County | $2,197 | $339,372 | 49 |
| 14 | Collier County | $2,147 | $556,356 | 19 |
| 15 | Gulf County | $2,147 | $404,460 | 13 |
| 16 | Indian River County | $2,145 | $365,803 | 39 |
| 17 | Sarasota County | $2,126 | $398,681 | 45 |
| 18 | De Soto County | $2,019 | $252,156 | 39 |
| 19 | Manatee County | $2,019 | $409,046 | 37 |
| 20 | Walton County | $1,942 | $656,360 | 19 |
| 21 | Polk County | $1,931 | $298,816 | 59 |
| 22 | Bay County | $1,928 | $345,836 | 37 |
| 23 | Pinellas County | $1,911 | $370,627 | 46 |
| 24 | Miami-Dade County | $1,891 | $521,999 | 17 |
| 25 | Hardee County | $1,861 | $242,544 | 63 |
| 26 | Hillsborough County | $1,816 | $379,631 | 50 |
| 27 | Volusia County | $1,807 | $324,661 | 44 |
| 28 | Lake County | $1,756 | $365,241 | 56 |
| 29 | Palm Beach County | $1,753 | $471,499 | 24 |
| 30 | Highlands County | $1,753 | $236,074 | 76 |
| 31 | Osceola County | $1,735 | $363,216 | 41 |
| 32 | Sumter County | $1,728 | $389,734 | 37 |
| 33 | Hernando County | $1,699 | $310,841 | 64 |
| 34 | Calhoun County | $1,669 | $180,453 | 71 |
| 35 | Pasco County | $1,659 | $332,569 | 65 |
| 36 | Taylor County | $1,649 | $197,489 | 70 |
| 37 | Flagler County | $1,626 | $349,999 | 52 |
| 38 | Washington County | $1,599 | $225,216 | 66 |
| 39 | Seminole County | $1,572 | $404,154 | 50 |
| 40 | Broward County | $1,561 | $423,722 | 28 |
| 41 | Jackson County | $1,491 | $184,210 | 82 |
| 42 | Holmes County | $1,472 | $194,032 | 57 |
| 43 | Wakulla County | $1,456 | $287,920 | 71 |
| 44 | Citrus County | $1,410 | $272,823 | 65 |
| 45 | Orange County | $1,409 | $405,720 | 40 |
| 46 | Hamilton County | $1,409 | $209,557 | 45 |
| 47 | Union County | $1,392 | $270,960 | 94 |
| 48 | Levy County | $1,385 | $292,380 | 34 |
| 49 | Saint Johns County | $1,378 | $492,726 | 46 |
| 50 | Dixie County | $1,360 | $222,641 | 53 |
| 51 | Putnam County | $1,345 | $220,798 | 55 |
| 52 | Duval County | $1,315 | $296,782 | 58 |
| 53 | Marion County | $1,263 | $273,317 | 68 |
| 54 | Suwannee County | $1,258 | $274,411 | 55 |
| 55 | Gadsden County | $1,241 | $203,008 | 67 |
| 56 | Gilchrist County | $1,209 | $308,050 | 52 |
| 57 | Clay County | $1,189 | $336,835 | 74 |
| 58 | Nassau County | $1,159 | $482,069 | 28 |
| 59 | Jefferson County | $1,152 | $309,004 | 30 |
| 60 | Bradford County | $1,033 | $257,301 | 68 |
| 61 | Madison County | $1,028 | $213,448 | 61 |
| 62 | Alachua County | $1,020 | $308,496 | 46 |
| 63 | Columbia County | $1,009 | $271,232 | 52 |
| 64 | Leon County | $990 | $296,215 | 52 |
| 65 | Lafayette County | $972 | $268,477 | 71 |
| 66 | Liberty County | $922 | $206,422 | 74 |
| 67 | Baker County | $836 | $316,707 | 64 |
Tap a county for its full scorecard (home value, cap rate, scores, migration, permits, insurance). Citizens Property Insurance Corporation, Policies in Force by County (premium / policies).
More Florida rankings
counties where the most homeowners are stuThe most overvalued housing marketsThe best-value counties for buyers right nThe highest cap-rate counties for rental iWhere is building the most new homesWhere people are moving to and from in FloAll rankings County scorecards
Common questions
Which Florida county ranks first for avg citizens premium?
Monroe County leads, followed by Glades County and Okeechobee 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 (premium / policies). Tap any county to open its full scorecard. Data current as of 2026-07-06.