Florida home insurance calculator
What are other homeowners in your county paying, and how would a wind-mitigation credit, a different hurricane deductible, a new roof or a required flood policy change the math? Defaults are official averages, not a quote for your house.
How to read the average
The Florida Office of Insurance Regulation publishes the average premium charged for homeowners policies in each county by dividing total premium by policies in force. It does that separately for policies that include wind coverage and policies that exclude it, using Market Intelligence Report data as of March 31, 2026, in its July 1, 2026 Property Insurance Stability Report. Those averages are a starting point for comparison. They are not adjusted for your dwelling limit, roof, deductibles or claims history.
Among the 67 counties, the homeowners average including wind ranged from $2,105 in Sumter County to $7,863 in Monroe County. OIR notes that the average including wind decreased in 51 counties from its January report.
Citizens' 2026 rate change is separate
Citizens Property Insurance, the state-created insurer, is not the whole market. OIR approved an average 8.8% decrease in Citizens homeowners multiperil rates for 2026, effective July 1 for new policies and at renewal for existing ones. Citizens' April 30, 2026 update also reports an average 5.1% decrease for homeowners wind-only policies (its March 4 news release had said 5.5% for wind-only). County-level changes vary. We do not treat a Citizens rate change as your market-wide premium, and we do not use unofficial "rate hike" stories.
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Sources
- Florida Office of Insurance Regulation, Property Insurance Stability Report (July 1, 2026) (average homeowners and condo premiums by county from the Market Intelligence Report as of March 31, 2026: total premium divided by policies in force, separately for policies including wind and excluding wind; the report notes actual premiums vary by company, insured value, deductibles and terms, and that the average homeowners premium including wind decreased in 51 counties from the January report)
- Citizens: 2026 Multiperil Rates to Drop Statewide (March 4, 2026) (OIR-approved homeowners multiperil rates fall an average of 8.8% in 2026, with at least a 2% cut for all Citizens Personal Lines policyholders; homeowners wind-only an average 5.5% reduction in this release; new business July 1, 2026, renewals at the next renewal)
- Citizens: July 2026 Rate, Rule, and Wind-Loss Mitigation Updates (April 30, 2026) (confirms the average 8.8% homeowners multiperil decrease and a 5.1% average decrease for homeowner wind-only, effective July 1, 2026)
Common questions
How much is homeowners insurance in Florida?
It depends on the county and the house. OIR's March 31, 2026 county averages for homeowners policies that include wind ranged from $2,105 in Sumter County to $7,863 in Monroe County. Those are averages per policy, not quotes.
Why is the excluding-wind average sometimes close to the including-wind average?
The two figures are averages of different sets of policies, not two prices for the same house. Where few policies exclude wind, the excluding-wind average can be noisy. In Baker and Union counties it is actually higher than the including-wind average; we do not treat those as a wind-share estimate.
Is this a binding quote?
No. Only an insurer or licensed agent can quote your premium. Use these tools to plan questions and compare options.