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 $1,250 · 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
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
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
Washington County
Caryville $1,690 · Vernon $1,660
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 2026-09-25.