Data Analysis
Home insurance rates fell in 51 of 67 Florida counties this year. The cost map still runs from $836 to $4,380.
The Florida insurance story flipped in 2026 — and almost nobody has published what it actually costs, county by county. Below: the rate-change record, and the only clean 67-county cost table, from official Citizens Property Insurance data.
The Florida Office of Insurance Regulation reported this summer that homeowners-insurance rates decreased in 51 of Florida’s 67 counties in 2026. Since 2024, 44 insurers have filed rate decreases and another 48 filed zero-percent changes. Citizens Property Insurance — the state-backed insurer of last resort — recommended a statewide average cut of about 2.6%, its first since 2015, pending regulatory approval.
That is the change story. The level story is as uneven as ever: the average Citizens premium runs from $836 a year in Baker County to $4,380 in Monroe County — a five-fold spread inside one state. The full 67-county table is below.
What changed in 2026
The decreases are not one carrier’s press release. Citizens’ proposed cuts land hardest where premiums have been hardest: Broward −14.1%, Miami-Dade −14.0%, Palm Beach −11.9%, Monroe −11.3%. Private carriers filed their own: Florida Peninsula −8.2%, Security First −8%, Universal Property & Casualty −5.1%. And seventeen new insurers have entered Florida since the 2022–23 legal reforms.
One driver regulators cite: Florida’s share of all U.S. homeowners-insurance lawsuits fell from 79% in 2020 to 41% in 2025. Fewer suits, more carriers, falling filings — the mechanism is boring, which is usually what a real fix looks like.
The depopulation nobody charted
Citizens peaked at about 1.42 million policies in October 2023. By December 2025 it was under 400,000. The April 2026 county detail behind this article’s table counts 228,964 — an 84% drawdown from the peak, with most of those homes moved back onto private paper. That is why the table below reads as a floor, not the whole market: Citizens’ county averages are the cleanest consistent public comparison that exists, but private-market quotes vary with roof age, elevation, flood zone and claims history.
The cost map, county by county
Monroe (the Keys) is alone at the top at $4,380. The next tier is not the one most buyers guess: inland Glades ($2,812) and Okeechobee ($2,802) rank second and third, ahead of coastal Okaloosa ($2,644) and Martin ($2,580). The cheapest insurance in Florida is in the rural north: Baker ($836), Liberty ($922), Lafayette ($972). Among the big books, Miami-Dade averages $1,891 on 56,357 Citizens policies, Broward $1,561 on 35,154, Pinellas $1,911 on 20,791, and Duval $1,315 on 2,001.
| County | Avg premium | Policies in force | Total premium | |
|---|---|---|---|---|
| 1 | Monroe County | $4,380 | 1,542 | $6,754,669 |
| 2 | Glades County | $2,812 | 232 | $652,282 |
| 3 | Okeechobee County | $2,802 | 681 | $1,907,949 |
| 4 | Okaloosa County | $2,644 | 1,101 | $2,910,503 |
| 5 | Martin County | $2,580 | 1,552 | $4,004,184 |
| 6 | Franklin County | $2,575 | 115 | $296,084 |
| 7 | Santa Rosa County | $2,444 | 876 | $2,140,727 |
| 8 | Hendry County | $2,420 | 323 | $781,771 |
| 9 | Escambia County | $2,364 | 1,026 | $2,425,745 |
| 10 | Brevard County | $2,348 | 6,986 | $16,404,560 |
| 11 | Saint Lucie County | $2,332 | 2,890 | $6,740,123 |
| 12 | Charlotte County | $2,298 | 2,415 | $5,550,231 |
| 13 | Lee County | $2,197 | 6,508 | $14,296,595 |
| 14 | Collier County | $2,147 | 2,002 | $4,298,937 |
| 15 | Gulf County | $2,147 | 74 | $158,850 |
| 16 | Indian River County | $2,145 | 1,407 | $3,018,694 |
| 17 | Sarasota County | $2,126 | 4,849 | $10,310,817 |
| 18 | De Soto County | $2,019 | 338 | $682,488 |
| 19 | Manatee County | $2,019 | 5,326 | $10,750,976 |
| 20 | Walton County | $1,942 | 433 | $840,804 |
| 21 | Polk County | $1,931 | 5,380 | $10,391,360 |
| 22 | Bay County | $1,928 | 1,264 | $2,436,972 |
| 23 | Pinellas County | $1,911 | 20,791 | $39,731,061 |
| 24 | Miami-Dade County | $1,891 | 56,357 | $106,583,596 |
| 25 | Hardee County | $1,861 | 139 | $258,675 |
| 26 | Hillsborough County | $1,816 | 6,518 | $11,834,443 |
| 27 | Volusia County | $1,807 | 3,573 | $6,455,543 |
| 28 | Lake County | $1,756 | 3,500 | $6,146,418 |
| 29 | Highlands County | $1,753 | 2,015 | $3,532,490 |
| 30 | Palm Beach County | $1,753 | 18,387 | $32,229,823 |
| 31 | Osceola County | $1,735 | 2,188 | $3,797,001 |
| 32 | Sumter County | $1,728 | 656 | $1,133,336 |
| 33 | Hernando County | $1,699 | 4,534 | $7,703,466 |
| 34 | Calhoun County | $1,669 | 46 | $76,768 |
| 35 | Pasco County | $1,659 | 8,233 | $13,661,514 |
| 36 | Taylor County | $1,649 | 286 | $471,555 |
| 37 | Flagler County | $1,626 | 435 | $707,288 |
| 38 | Washington County | $1,599 | 116 | $185,515 |
| 39 | Seminole County | $1,572 | 1,203 | $1,890,836 |
| 40 | Broward County | $1,561 | 35,154 | $54,889,113 |
| 41 | Jackson County | $1,491 | 180 | $268,421 |
| 42 | Holmes County | $1,472 | 89 | $130,989 |
| 43 | Wakulla County | $1,456 | 199 | $289,808 |
| 44 | Citrus County | $1,410 | 2,306 | $3,250,541 |
| 45 | Hamilton County | $1,409 | 38 | $53,553 |
| 46 | Orange County | $1,409 | 4,204 | $5,924,703 |
| 47 | Union County | $1,392 | 63 | $87,722 |
| 48 | Levy County | $1,385 | 658 | $911,234 |
| 49 | Saint Johns County | $1,378 | 977 | $1,346,054 |
| 50 | Dixie County | $1,360 | 235 | $319,532 |
| 51 | Putnam County | $1,345 | 550 | $739,902 |
| 52 | Duval County | $1,315 | 2,001 | $2,632,173 |
| 53 | Marion County | $1,263 | 1,973 | $2,491,010 |
| 54 | Suwannee County | $1,258 | 255 | $320,848 |
| 55 | Gadsden County | $1,241 | 214 | $265,503 |
| 56 | Gilchrist County | $1,209 | 241 | $291,380 |
| 57 | Clay County | $1,189 | 606 | $720,625 |
| 58 | Nassau County | $1,159 | 389 | $450,961 |
| 59 | Jefferson County | $1,152 | 131 | $150,877 |
| 60 | Bradford County | $1,033 | 158 | $163,177 |
| 61 | Madison County | $1,028 | 94 | $96,642 |
| 62 | Alachua County | $1,020 | 714 | $728,200 |
| 63 | Columbia County | $1,009 | 274 | $276,407 |
| 64 | Leon County | $990 | 627 | $621,042 |
| 65 | Lafayette County | $972 | 53 | $51,498 |
| 66 | Liberty County | $922 | 60 | $55,298 |
| 67 | Baker County | $836 | 224 | $187,355 |
| Florida (67 counties) | $1,843 | 228,964 | $421,869,217 |
Source: Citizens Property Insurance, Detail by County, April 2026. Column sums: 228,964 policies, $421,869,217 total premium, $1,843 weighted average. Free to cite or chart with attribution to Momentum Realty (movewithmomentum.com) — see the citation guide.
Limitations
Two distinctions matter. First, the 51-of-67 figure is the OIR’s statewide reporting on 2026 rate changes; the table above is Citizens’ April 2026 cost levels. They are different datasets and we do not blend them. Second, Citizens premiums are not the private market: Citizens is the insurer of last resort, its book skews toward harder-to-place homes, and its county averages are best read as a consistent public benchmark rather than what any specific home pays. Rate filings marked “recommended” or “proposed” were pending regulatory approval as of their reporting dates and may have changed since.
Sources and links
- Citizens Property Insurance, Detail by County (April 2026) — the table’s source data
- Florida Office of Insurance Regulation, 2026 rate-change reporting (reported July 2026)
- Interactive county map & dataset:
/data/fl/home-insurance-by-county - Data & citation hub:
/cite - Related:
/data/fl/county scorecards
Disclosure: Jon Brooks is a co-founder of Momentum Realty, a Florida real estate brokerage that owns and funds Florida Housing Intelligence. Momentum has a financial interest in Florida real estate transactions, including in markets named here. See our editorial standards.
Insurance statistics in this article are from Citizens Property Insurance public county detail and Florida Office of Insurance Regulation reporting, current as of the dates shown. Data may be preliminary and subject to revision by its source. This article is general information, not advice about any specific property, transaction, insurance policy, or financial decision.
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