Florida Homeowners Insurance Costs by County: 2026 Data for All 67 Counties
By Jesse Garlick | August 3, 2026
How much you pay for homeowners insurance in Florida depends less on your house than on your county. The state's own regulator publishes what insurers actually charge — not modeled quotes, but real premiums averaged across every policy in force — and the gap is enormous: from $2,111 a year in Sumter County to $7,829 in Monroe.
Below is the complete 67-county table from the Florida Office of Insurance Regulation's January 2026 Property Insurance Stability Report (premium data as of September 30, 2025) — plus what it means for how much house you can actually afford.
Average homeowners insurance premium by Florida county
Average annual premium for homeowners (HO) policies, calculated by FLOIR as total premium collected divided by policies in force, per county. "Excluding wind" is the average for policies written without windstorm coverage. Red rows = 5 most expensive; green = 5 least expensive. Source: FLOIR Stability Report, Jan 1, 2026 (data as of Sept 30, 2025).
| County | Avg premium (incl. wind) | Avg premium (excl. wind) |
|---|---|---|
| Alachua | $2,527 | $1,529 |
| Baker | $2,317 | $1,466 |
| Bay | $3,478 | $1,468 |
| Bradford | $2,650 | $1,427 |
| Brevard | $3,560 | $1,554 |
| Broward | $6,220 | $2,594 |
| Calhoun | $3,149 | $3,504 |
| Charlotte | $3,222 | $1,387 |
| Citrus | $2,472 | $1,090 |
| Clay | $2,550 | $1,502 |
| Collier | $5,565 | $3,238 |
| Columbia | $2,558 | $1,790 |
| Desoto | $3,449 | $1,407 |
| Dixie | $2,806 | $1,571 |
| Duval | $2,801 | $1,852 |
| Escambia | $3,706 | $1,635 |
| Flagler | $2,526 | $1,605 |
| Franklin | $5,235 | $1,829 |
| Gadsden | $2,737 | $2,215 |
| Gilchrist | $2,478 | $1,315 |
| Glades | $3,475 | $1,760 |
| Gulf | $3,759 | $1,595 |
| Hamilton | $2,745 | $1,476 |
| Hardee | $3,396 | $1,832 |
| Hendry | $3,030 | $1,761 |
| Hernando | $2,342 | $1,243 |
| Highlands | $2,732 | $1,386 |
| Hillsborough | $3,514 | $2,410 |
| Holmes | $2,944 | $1,481 |
| Indian River | $4,453 | $2,774 |
| Jackson | $2,840 | $2,119 |
| Jefferson | $2,792 | $2,366 |
| Lafayette | $2,943 | $1,331 |
| Lake | $2,642 | $1,326 |
| Lee | $3,646 | $2,104 |
| Leon | $2,554 | $1,629 |
| Levy | $2,706 | $1,650 |
| Liberty | $2,877 | $2,080 |
| Madison | $2,772 | $1,192 |
| Manatee | $3,187 | $1,743 |
| Marion | $2,217 | $1,414 |
| Martin | $5,993 | $2,507 |
| Miami-Dade | $6,023 | $3,585 |
| Monroe | $7,829 | $1,768 |
| Nassau | $3,061 | $1,560 |
| Okaloosa | $3,891 | $1,702 |
| Okeechobee | $3,754 | $1,632 |
| Orange | $3,585 | $2,390 |
| Osceola | $2,911 | $1,542 |
| Palm Beach | $6,412 | $3,085 |
| Pasco | $2,758 | $1,453 |
| Pinellas | $4,044 | $1,680 |
| Polk | $2,771 | $1,619 |
| Putnam | $2,636 | $1,495 |
| Santa Rosa | $3,541 | $1,773 |
| Sarasota | $3,482 | $1,459 |
| Seminole | $3,527 | $1,896 |
| St. Johns | $2,889 | $2,042 |
| St. Lucie | $3,522 | $1,589 |
| Sumter | $2,111 | $1,137 |
| Suwannee | $2,792 | $1,469 |
| Taylor | $2,727 | $1,275 |
| Union | $2,656 | $2,260 |
| Volusia | $2,819 | $1,423 |
| Wakulla | $2,335 | $1,896 |
| Walton | $5,401 | $1,887 |
| Washington | $2,933 | $1,984 |
10 most expensive counties
- Monroe$7,829
- Palm Beach$6,412
- Broward$6,220
- Miami-Dade$6,023
- Martin$5,993
- Collier$5,565
- Walton$5,401
- Franklin$5,235
- Indian River$4,453
- Pinellas$4,044
10 least expensive counties
- Sumter$2,111
- Marion$2,217
- Baker$2,317
- Wakulla$2,335
- Hernando$2,342
- Citrus$2,472
- Gilchrist$2,478
- Flagler$2,526
- Alachua$2,527
- Clay$2,550
Wind is the whole story
Look at the two columns side by side. In Monroe County, the average policy with wind coverage runs $7,829, while policies written without wind average just $1,768. The two columns describe different sets of homes, so it isn't a perfect apples-to-apples decomposition — but the size of the gap tells you what insurers are really pricing: hurricane wind. That wind gap is roughly $6,000 a year in the Keys and $3,400–$3,700 in Broward, Walton and Franklin, versus about $800–$1,000 in inland Sumter, Marion and Alachua.
8 counties average more than $5,000 a year. 7 counties average less than $2,500. Every one of the ten most expensive touches salt water. The cheap end is mostly inland North and Central Florida, though a handful of coastal counties (Flagler, Citrus, Hernando, Wakulla) make the bottom ten as well.
Is 2026 getting better or worse?
Both, depending on how you measure it — and it's worth understanding why the numbers you read disagree:
- Rates are stabilizing. Per FLOIR, 39 insurers have requested rate decreases for residential policies effective 2024 or later, and another 100 filed for no increase. The Florida Hurricane Catastrophe Fund cut its rates by a statewide average of 9.51% in June 2025.
- Citizens is shrinking and cutting. The state-backed insurer of last resort has gone from over 1.3 million policies in 2023 to roughly 395,000, and regulators approved an average 8.7% rate decrease taking effect at renewals beginning June 1, 2026 — more than triple the 2.7% cut Citizens itself requested (Insurance Journal). South Florida gets the deepest cuts: about 14% in Broward and Miami-Dade and 11.9% in Palm Beach, per the Governor's office.
- But the base is still brutal. Insurify's 2026 Florida report found the average cost of Florida home insurance jumped 18% in 2025, to $8,292 — the most expensive in the nation. For a standardized policy with $300,000 in dwelling coverage, Insurify's current data puts Florida at $6,060 a year against a $2,868 national average. Modeled quotes like these run higher than the in-force averages in our table, because existing policies include long-tenured homes, older (lower) dwelling limits, and high-deductible policies.
What your county's premium does to your mortgage
Lenders don't treat insurance as an afterthought — your premium sits inside your monthly escrow payment and counts against your debt-to-income ratio. The practical rule of thumb at today's rates: every $100 per month of insurance premium costs you roughly $15,000 in buying power on a 30-year loan near 7%.
Apply that to the table above. The gap between Monroe County ($7,829) and Sumter County ($2,111) is about $477 a month — roughly $71,000 of house. Even the gap between coastal Pinellas ($4,044) and neighboring inland Pasco ($2,758) moves your approval by about $16,000.
Two takeaways if you're buying:
- Get an insurance quote before you make an offer, not after. A surprise premium at underwriting can shrink your approval or kill the deal. We covered how this plays out in how Florida's insurance crisis shrinks mortgage approvals.
- Budget with the real number for your county. Run your payment with your county's average premium in our mortgage calculator, or get pre-qualified to see what lenders will actually approve. First-time buyer? Assistance programs can offset some of this — see our guide to Florida first-time homebuyer programs.
Methodology & sources
County figures are FLOIR's average premiums charged for homeowners insurance (total premium collected ÷ policies in force, per county), reported in the Market Intelligence Report as of September 30, 2025, and published January 1, 2026. These are averages across all in-force policies, not quotes for a specific home; your premium will vary with dwelling value, deductibles, roof age, and mitigation credits. Median county average ($2,933) is our calculation across the 67 county averages (unweighted). Buying-power figures assume a 30-year fixed loan at 7.0% (about $6.65 of monthly payment per $1,000 borrowed).
- FLOIR — Property Insurance Stability Report, January 1, 2026 (PDF)
- Insurance Journal — Florida OIR Triples the Size of Citizens' Rate Decrease (Jan 20, 2026)
- Executive Office of the Governor — Insurance Rate Relief announcement (2026)
- Insurify — Florida Home Insurance Report 2026
Journalists and researchers: you're welcome to cite or reproduce the table above with attribution and a link to this page.
Keep reading: How Florida's insurance crisis shrinks mortgage approvals · Get pre-qualified free