Cost of Home Insurance by City in Florida (2026)
Estimated annual premium for a typical home in 450 Florida cities, grouped by county. Every page shows the county Citizens average, the 2026 approved rate change, ZIP-by-ZIP estimates and how to lower a quote. County table and map: Florida home insurance rates by county.
Alachua County
Alachua $1,300 · Archer $1,230 · Earleton $1,470 · Gainesville $1,200 · High Springs $1,310 · Newberry $1,390 · Waldo $860
Baker County
Glen Saint Mary $1,270 · Macclenny $1,020 · Sanderson $890
Bay County
Fountain $1,420 · Lynn Haven $2,670 · Panama City $2,340 · Panama City Beach $3,250 · Southport $3,070 · Youngstown $2,210
Bradford County
Hampton $1,280 · Lake Butler $1,330 · Lawtey $1,140 · Starke $1,130
Brevard County
Cape Canaveral $2,610 · Cocoa $2,500 · Cocoa Beach $3,760 · Grant-Valkaria $4,230 · Indialantic $4,640 · Malabar $4,550 · Melbourne $3,100 · Melbourne Beach $5,060 · Merritt Island $3,540 · Micco $1,820 · Mims $3,160 · Palm Bay $2,540 · Rockledge $3,040 · Satellite Beach $4,080 · Titusville $2,240
Broward County
Coconut Creek $2,480 · Coral Springs $3,190 · Dania Beach $2,290 · Davie $4,190 · Deerfield Beach $2,490 · Fort Lauderdale $4,050 · Hallandale $1,930 · Hollywood $3,160 · Lauderhill $1,460 · Margate $2,000 · Miramar $3,160 · North Lauderdale $2,490 · Oakland Park $2,800 · Parkland $5,620 · Pembroke Pines $3,940 · Plantation $3,070 · Pompano Beach $2,960 · Southwest Ranches $7,000 · Sunrise $2,520 · Tamarac $1,680 · Weston $4,790
Calhoun County
Altha $1,980 · Blountstown $1,650 · Clarksville $2,160
Charlotte County
Port Charlotte $2,730 · Punta Gorda $3,110 · Rotonda West $3,140
Citrus County
Beverly Hills $1,490 · Crystal River $1,730 · Floral City $1,670 · Hernando $2,260 · Homosassa $1,850 · Inverness $1,510 · Lecanto $2,040
Clay County
Fleming Island $2,100 · Florahome $1,010 · Green Cove Springs $1,640 · Keystone Heights $1,370 · Melrose $1,480 · Middleburg $1,550 · Orange Park $1,490
Collier County
Chokoloskee $1,860 · Everglades $1,780 · Immokalee $2,070 · Marco Island $5,140 · Naples $3,360
Columbia County
Fort White $1,420 · Lake City $1,100
De Soto County
Arcadia $2,090
Dixie County
Cross City $1,190 · Horseshoe Beach $1,600 · Old Town $1,690 · Steinhatchee $2,080
Duval County
Jacksonville $1,780 · Jacksonville Beach $3,840 · Neptune Beach $4,460
Escambia County
Cantonment $3,780 · Century $2,330 · Mc David $3,280 · Molino $4,280 · Pensacola $3,050
Flagler County
Bunnell $1,820 · Flagler Beach $2,930 · Palm Coast $2,260
Franklin County
Apalachicola $3,790 · Carrabelle $3,400 · Eastpoint $9,660
Gadsden County
Chattahoochee $960 · Gretna $830 · Havana $2,190 · Midway $2,110 · Quincy $1,580
Gilchrist County
Glades County
Moore Haven $2,380
Gulf County
Port Saint Joe $4,740 · Wewahitchka $1,990
Hamilton County
Jasper $1,360 · Jennings $1,790 · White Springs $1,540
Hardee County
Bowling Green $1,760 · Ona $3,740 · Wauchula $2,050 · Zolfo Springs $2,510
Hendry County
Clewiston $3,000 · Felda $5,910 · Labelle $3,430
Hernando County
Brooksville $2,040 · Hernando Beach $2,590 · Nobleton $1,000 · Spring Hill $1,900 · Weeki Wachee $2,170
Highlands County
Avon Park $1,800 · Lake Placid $2,090 · Lorida $2,220 · Sebring $2,240 · Venus $3,310
Hillsborough County
Apollo Beach $2,850 · Brandon $2,270 · Citrus Park $2,740 · Dover $2,830 · Gibsonton $2,030 · Lithia $3,340 · Lutz $3,180 · Odessa $4,280 · Plant City $2,410 · Riverview $2,480 · Ruskin $2,000 · Seffner $2,280 · Sun City Center $1,740 · Tampa $2,600 · Temple Terrace $1,910 · Thonotosassa $2,630 · Valrico $2,660 · Westchase $3,650 · Wimauma $2,220
Holmes County
Westville $1,980
Indian River County
Fellsmere $2,870 · Indian River Shores $7,780 · Sebastian $2,960 · Vero Beach $2,820
Jackson County
Alford $2,020 · Bascom $1,750 · Campbellton $1,250 · Chipley $1,850 · Graceville $1,680 · Grand Ridge $1,820 · Greenwood $1,580 · Malone $1,310 · Marianna $1,910 · Sneads $1,490
Jefferson County
Lamont $1,040 · Monticello $1,380
Lafayette County
Lake County
Astatula $1,960 · Astor $1,500 · Clermont $2,290 · Eustis $2,080 · Fruitland Park $1,610 · Grand Island $1,760 · Groveland $2,010 · Howey in the Hills $2,210 · Lady Lake $1,740 · Leesburg $1,520 · Mascotte $1,760 · Minneola $2,520 · Montverde $3,910 · Mount Dora $2,130 · Paisley $1,220 · Sorrento $2,260 · Tavares $1,690 · Umatilla $1,600 · Yalaha $1,880
Lee County
Alva $3,180 · Boca Grande $6,990 · Bokeelia $2,980 · Bonita Springs $4,540 · Cape Coral $2,760 · Captiva $6,990 · Estero $3,950 · Fort Myers $2,500 · Fort Myers Beach $4,040 · Lehigh Acres $2,360 · North Fort Myers $2,150 · Saint James City $3,570 · Sanibel $6,680
Leon County
Tallahassee $1,200
Levy County
Bronson $1,390 · Cedar Key $1,690 · Inglis $1,420 · Morriston $2,580 · Williston $1,640 · Yankeetown $1,540
Liberty County
Bristol $1,140 · Telogia $1,070
Madison County
Greenville $1,490 · Lee $1,730 · Madison $1,260 · Pinetta $1,890
Manatee County
Anna Maria $6,290 · Bradenton $2,120 · Cortez $4,870 · Ellenton $2,310 · Holmes Beach $5,400 · Lakewood Ranch $3,740 · Myakka City $4,080 · Palmetto $2,170 · Parrish $2,550 · Terra Ceia $4,630
Marion County
Altoona $1,600 · Anthony $2,010 · Belleview $1,380 · Citra $1,740 · Dunnellon $1,610 · Fort Mc Coy $850 · Micanopy $1,740 · Ocala $1,580 · Ocklawaha $1,370 · Reddick $2,190 · Silver Springs $1,160 · Summerfield $1,620 · Weirsdale $2,430
Martin County
Hobe Sound $4,300 · Indiantown $2,650 · Jensen Beach $3,420 · Palm City $5,010 · Stuart $3,490 · Tequesta $5,920
Miami-Dade County
Aventura $2,710 · Bal Harbour $7,230 · Brownsville $2,500 · Coral Gables $7,660 · Cutler Bay $2,890 · Doral $3,270 · Florida City $2,240 · Fountainbleau $2,190 · Hialeah $3,110 · Homestead $2,670 · Ives Estates $1,610 · Key Biscayne $7,660 · Miami $3,560 · Miami Beach $3,410 · Miami Gardens $2,790 · Miami Lakes $2,150 · Miami Springs $3,560 · North Miami $2,720 · North Miami Beach $2,880 · Opa-locka $2,720 · Pinecrest $7,660 · The Crossings $3,070 · The Hammocks $3,360 · Village of Palmetto Bay $5,840 · West Little River $2,620 · Westview $2,750
Monroe County
Big Pine Key $5,050 · Islamorada $7,210 · Key Colony Beach $5,950 · Key Largo $7,340 · Key West $6,420 · Layton $6,060 · Marathon $5,610 · Summerland Key $6,940
Nassau County
Bryceville $1,390 · Callahan $1,360 · Fernandina Beach $2,130 · Hilliard $1,240 · Yulee $1,340
Okaloosa County
Baker $2,960 · Crestview $2,640 · Destin $5,680 · Eglin AFB $3,000 · Fort Walton Beach $2,990 · Holt $2,460 · Mary Esther $2,930 · Niceville $3,990 · Paxton $2,680 · Shalimar $3,520
Okeechobee County
Okeechobee $3,140
Orange County
Apopka $2,200 · Bay Lake $4,450 · Bithlo $3,010 · Christmas $2,670 · Doctor Phillips $2,750 · Gotha $2,800 · Maitland $2,560 · Oakland $2,940 · Ocoee $2,280 · Orlando $2,150 · Pine Hills $1,430 · Windermere $3,910 · Winter Garden $3,180 · Winter Park $3,360 · Zellwood $1,880
Osceola County
Campbell $2,240 · Intercession City $1,290 · Kenansville $2,510 · Kissimmee $2,240 · Poinciana $1,920 · Saint Cloud $2,420
Palm Beach County
Belle Glade $1,990 · Boca Raton $4,700 · Boynton Beach $2,900 · Century Village $1,630 · Delray Beach $2,340 · Greenacres $2,640 · Jupiter $4,660 · Lake Park $2,650 · Lake Worth Beach $2,670 · Loxahatchee $4,580 · North Palm Beach $4,230 · Pahokee $1,630 · Palm Beach $8,140 · Palm Beach Gardens $5,000 · Palm Springs $2,100 · Riviera Beach $2,950 · South Bay $1,630 · Wellington $4,700 · West Palm Beach $3,020
Pasco County
Dade City $1,870 · Holiday $1,350 · Hudson $1,810 · Land O Lakes $2,610 · New Port Richey $1,740 · Port Richey $1,400 · San Antonio $2,120 · Wesley Chapel $2,510 · Zephyrhills $2,030
Pinellas County
Belleair Beach $6,030 · Clearwater $2,320 · Dunedin $2,770 · Gulfport $2,420 · Indian Rocks Beach $4,780 · Largo $2,360 · Madeira Beach $3,420 · Oldsmar $2,410 · Palm Harbor $3,150 · Pinellas Park $2,020 · Safety Harbor $3,340 · Saint Pete Beach $3,840 · Saint Petersburg $2,180 · Seminole $2,500 · South Highpoint $1,690 · Tarpon Springs $3,140 · Tierra Verde $3,130
Polk County
Auburndale $2,210 · Bartow $1,990 · Davenport $2,480 · Dundee $1,910 · Eagle Lake $2,060 · Eaton Park $1,370 · Fort Meade $1,640 · Frostproof $1,410 · Haines City $2,120 · Lake Alfred $2,220 · Lake Hamilton $2,240 · Lake Wales $1,880 · Lakeland $2,270 · Mulberry $2,070 · Polk City $1,800 · Winter Haven $1,910
Putnam County
Crescent City $1,420 · East Palatka $1,830 · Georgetown $1,540 · Hawthorne $1,550 · Interlachen $1,150 · Palatka $1,420 · Pomona Park $1,660 · San Mateo $1,670 · Satsuma $1,390
Saint Johns County
Elkton $1,490 · Hastings $1,090 · Ponte Vedra $2,620 · Ponte Vedra Beach $3,370 · Saint Augustine $1,860 · Saint Johns $2,160
Saint Lucie County
Fort Pierce $2,400 · Port Saint Lucie $3,190
Santa Rosa County
Gulf Breeze $5,570 · Jay $2,810 · Milton $2,910 · Navarre $4,280 · Pace $3,370
Sarasota County
Englewood $2,310 · Longboat Key $5,890 · Nokomis $3,110 · North Port $1,970 · Osprey $4,100 · Sarasota $2,260 · Siesta Key $5,230 · Venice $2,320
Seminole County
Altamonte Springs $1,490 · Casselberry $1,730 · Geneva $3,020 · Lake Mary $2,440 · Longwood $2,440 · Oviedo $2,830 · Sanford $1,740 · Winter Springs $2,200
Sumter County
Bushnell $1,410 · Center Hill $1,330 · Lake Panasoffkee $980 · Oxford $1,670 · The Villages $1,580 · Webster $1,340
Suwannee County
Live Oak $1,210 · O Brien $1,580
Taylor County
Perry $1,610
Volusia County
Daytona Beach $1,620 · De Leon Springs $2,160 · Debary $2,430 · Deland $2,150 · Deltona $1,910 · Edgewater $1,850 · Lake Helen $2,060 · New Smyrna Beach $2,990 · Oak Hill $2,160 · Orange City $1,870 · Ormond Beach $2,310 · Pierson $2,200 · Port Orange $2,260 · Seville $1,560 · South Daytona $1,590
Wakulla County
Crawfordville $1,830 · Panacea $2,690 · Saint Marks $1,650 · Sopchoppy $1,720
Walton County
Defuniak Springs $1,940 · Freeport $2,280 · Inlet Beach $8,380 · Miramar Beach $3,840 · Ponce de Leon $1,940 · Santa Rosa Beach $5,120
Washington County
Caryville $1,640 · Vernon $1,610
Common questions
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Sources: Citizens Property Insurance Corporation (April 2026); Florida OIR 2026 approved Citizens rates; Zillow ZHVI. Estimates, not quotes. Updated 2026-11-05.