Homeowners insurance cost in Florida by county
Historical county budgeting benchmarks built from a statewide NAIC average, county median home values, and bounded FEMA risk adjustments—not carrier quotes.
Florida overview
Across 67 published counties, the average modeled budget is $3,446/yr, with county estimates ranging from $939 to $7,297 per year.
Low confidence The baseline is the 2022 NAIC HO-3 state average of $2,677/yr. FEMA risk is a relative signal, not insurer underwriting.
Compare total monthly carrying costs in Florida, including mortgage, tax, and insurance benchmarks.
Key county insurance pages in Florida
Start with these larger or higher-budget county pages, then use the full table for the rest of the published Florida launch wave.
- Collier County: $7,297/yr modeled budget
- Monroe County: $7,136/yr modeled budget
- Miami-Dade County: $6,273/yr modeled budget
- St. Johns County: $6,169/yr modeled budget
- Palm Beach County: $6,046/yr modeled budget
- Martin County: $5,670/yr modeled budget
- Broward County: $5,612/yr modeled budget
- Sarasota County: $5,533/yr modeled budget
County insurance budgets
| County | Median home | FEMA risk percentile | Insurance budget |
|---|---|---|---|
| Alachua County | $288,800 | 90.33 (Relatively Moderate) | $3,705/yr |
| Baker County | $256,700 | 13.26 (Very Low) | $1,758/yr |
| Bay County | $310,500 | 94.12 (Relatively Moderate) | $4,075/yr |
| Bradford County | $212,500 | 36.86 (Very Low) | $1,844/yr |
| Brevard County | $339,600 | 98.41 (Relatively High) | $4,570/yr |
| Broward County | $414,600 | 99.46 (Relatively High) | $5,612/yr |
| Calhoun County | $145,300 | 44.94 (Relatively Low) | $1,352/yr |
| Charlotte County | $328,900 | 95.2 (Relatively High) | $4,344/yr |
| Citrus County | $245,500 | 94.69 (Relatively High) | $3,232/yr |
| Clay County | $312,500 | 81.08 (Relatively Moderate) | $3,785/yr |
| Collier County | $540,700 | 98.92 (Relatively High) | $7,297/yr |
| Columbia County | $194,900 | 69.72 (Relatively Low) | $2,189/yr |
| DeSoto County | $174,100 | 81.65 (Relatively Moderate) | $2,116/yr |
| Dixie County | $132,000 | 35.5 (Very Low) | $1,183/yr |
| Duval County | $303,500 | 97.2 (Relatively High) | $4,055/yr |
| Escambia County | $257,200 | 95.1 (Relatively High) | $3,395/yr |
| Flagler County | $364,900 | 82.76 (Relatively Moderate) | $4,467/yr |
| Franklin County | $273,300 | 46.53 (Relatively Low) | $2,577/yr |
| Gadsden County | $174,900 | 72.39 (Relatively Low) | $2,000/yr |
| Gilchrist County | $199,900 | 27.96 (Very Low) | $1,597/yr |
| Glades County | $137,000 | 48.03 (Relatively Low) | $1,317/yr |
| Gulf County | $250,000 | 59.54 (Relatively Low) | $2,610/yr |
| Hamilton County | $111,200 | 43 (Relatively Low) | $1,264/yr |
| Hardee County | $153,600 | 69.18 (Relatively Low) | $1,718/yr |
| Hendry County | $219,200 | 78.66 (Relatively Low) | $2,614/yr |
| Hernando County | $276,000 | 87.98 (Relatively Moderate) | $3,490/yr |
| Highlands County | $187,900 | 89.44 (Relatively Moderate) | $2,398/yr |
| Hillsborough County | $371,500 | 98.82 (Relatively High) | $5,011/yr |
| Holmes County | $110,200 | 49.43 (Relatively Low) | $1,332/yr |
| Indian River County | $351,500 | 95.64 (Relatively High) | $4,654/yr |
| Jackson County | $120,800 | 75.7 (Relatively Low) | $1,614/yr |
| Jefferson County | $232,600 | 38.99 (Very Low) | $2,057/yr |
| Lafayette County | $157,200 | 15.9 (Very Low) | $1,109/yr |
| Lake County | $318,400 | 91.92 (Relatively Moderate) | $4,124/yr |
| Lee County | $362,200 | 99.05 (Relatively High) | $4,892/yr |
| Leon County | $301,800 | 93.35 (Relatively Moderate) | $3,942/yr |
| Levy County | $190,600 | 66.09 (Relatively Low) | $2,087/yr |
| Liberty County | $127,300 | 12.66 (Very Low) | $939/yr |
| Madison County | $116,200 | 47.42 (Relatively Low) | $1,311/yr |
| Manatee County | $391,400 | 97.55 (Relatively High) | $5,240/yr |
| Marion County | $243,100 | 94.72 (Relatively High) | $3,201/yr |
| Martin County | $432,200 | 94.08 (Relatively Moderate) | $5,670/yr |
| Miami-Dade County | $463,000 | 99.62 (Very High) | $6,273/yr |
| Monroe County | $780,600 | 91.6 (Relatively Moderate) | $7,136/yr |
| Nassau County | $382,800 | 59.32 (Relatively Low) | $3,990/yr |
| Okaloosa County | $351,200 | 92.46 (Relatively Moderate) | $4,563/yr |
| Okeechobee County | $193,000 | 80.28 (Relatively Low) | $2,325/yr |
| Orange County | $390,100 | 98.44 (Relatively High) | $5,250/yr |
| Osceola County | $353,300 | 91.95 (Relatively Moderate) | $4,577/yr |
| Palm Beach County | $447,300 | 99.2 (Relatively High) | $6,046/yr |
| Pasco County | $300,900 | 95.96 (Relatively High) | $3,992/yr |
| Pinellas County | $355,100 | 98.22 (Relatively High) | $4,773/yr |
| Polk County | $266,500 | 96.53 (Relatively High) | $3,547/yr |
| Putnam County | $160,300 | 79.74 (Relatively Low) | $1,925/yr |
| Santa Rosa County | $329,800 | 88.96 (Relatively Moderate) | $4,196/yr |
| Sarasota County | $411,800 | 98.16 (Relatively High) | $5,533/yr |
| Seminole County | $386,900 | 91.44 (Relatively Moderate) | $4,997/yr |
| St. Johns County | $489,200 | 87.53 (Relatively Moderate) | $6,169/yr |
| St. Lucie County | $347,300 | 96.06 (Relatively High) | $4,610/yr |
| Sumter County | $385,400 | 87.6 (Relatively Moderate) | $4,863/yr |
| Suwannee County | $171,600 | 71.34 (Relatively Low) | $1,949/yr |
| Taylor County | $114,600 | 65.43 (Relatively Low) | $1,504/yr |
| Union County | $169,500 | 10.88 (Very Low) | $1,130/yr |
| Volusia County | $313,000 | 96.22 (Relatively High) | $4,158/yr |
| Wakulla County | $258,300 | 46.69 (Relatively Low) | $2,439/yr |
| Walton County | $425,100 | 88.58 (Relatively Moderate) | $5,396/yr |
| Washington County | $171,000 | 59.45 (Relatively Low) | $1,784/yr |
Sources and limitations
Data as of 2022-12-31; FEMA version 1.20; data version 2024.1.
Sources: NAIC Homeowners Insurance Report; FEMA National Risk Index; U.S. Census ACS county median home values.
Read the insurance and PITI methodology
Insurance disclaimer: Estimate for budgeting only — not an insurance quote and not a binding price. Verify with the county assessor and a licensed professional before making financial decisions.