Home / By county
Florida home insurance premiums by county
Average premiums charged for homeowners and condominium unit-owners policies, from the Florida Office of Insurance Regulation's July 1, 2026 Property Insurance Stability Report.
All 67 counties
Homeowners figures are traditional homeowners policies. "Implied wind share" is our calculation: (average including wind minus average excluding wind) divided by the including-wind average. It is a rough split of two different policy averages, not your insurer's filed wind factor. We leave it blank when the excluding-wind average is not lower (Baker and Union).
| County | Homeowners, incl. wind | Homeowners, excl. wind | Condo, incl. wind | Implied wind share |
|---|---|---|---|---|
| Alachua | $2,525 | $1,804 | $977 | 28.6% |
| Baker | $2,346 | $2,913 | n/a | n/a |
| Bay | $3,465 | $1,577 | $1,393 | 54.5% |
| Bradford | $2,623 | $1,950 | $1,005 | 25.7% |
| Brevard | $3,532 | $1,975 | $1,454 | 44.1% |
| Broward | $6,136 | $3,008 | $1,816 | 51.0% |
| Calhoun | $3,122 | $2,649 | n/a | 15.2% |
| Charlotte | $3,160 | $1,661 | $1,394 | 47.4% |
| Citrus | $2,456 | $1,560 | $1,105 | 36.5% |
| Clay | $2,540 | $2,047 | $962 | 19.4% |
| Collier | $5,534 | $3,169 | $2,271 | 42.7% |
| Columbia | $2,557 | $2,118 | $971 | 17.2% |
| DeSoto | $3,421 | $2,167 | $1,088 | 36.7% |
| Dixie | $2,748 | $1,559 | $1,117 | 43.3% |
| Duval | $2,786 | $2,095 | $1,054 | 24.8% |
| Escambia | $3,702 | $1,670 | $1,836 | 54.9% |
| Flagler | $2,488 | $1,641 | $1,310 | 34.0% |
| Franklin | $5,221 | $1,954 | $1,563 | 62.6% |
| Gadsden | $2,723 | $2,226 | n/a | 18.3% |
| Gilchrist | $2,513 | $1,872 | n/a | 25.5% |
| Glades | $3,477 | $2,019 | $1,117 | 41.9% |
| Gulf | $3,752 | $1,612 | $1,747 | 57.0% |
| Hamilton | $2,711 | $2,044 | n/a | 24.6% |
| Hardee | $3,376 | $2,246 | n/a | 33.5% |
| Hendry | $2,999 | $1,983 | $1,329 | 33.9% |
| Hernando | $2,360 | $1,985 | $1,063 | 15.9% |
| Highlands | $2,736 | $1,599 | $1,082 | 41.6% |
| Hillsborough | $3,525 | $2,676 | $1,353 | 24.1% |
| Holmes | $2,942 | $2,560 | n/a | 13.0% |
| Indian River | $4,334 | $2,744 | $2,086 | 36.7% |
| Jackson | $2,851 | $2,300 | n/a | 19.3% |
| Jefferson | $2,782 | $2,083 | n/a | 25.1% |
| Lafayette | $2,903 | $1,649 | n/a | 43.2% |
| Lake | $2,650 | $1,988 | $1,092 | 25.0% |
| Lee | $3,576 | $2,119 | $1,494 | 40.7% |
| Leon | $2,538 | $1,710 | $846 | 32.6% |
| Levy | $2,698 | $1,634 | $1,437 | 39.4% |
| Liberty | $2,880 | $1,872 | n/a | 35.0% |
| Madison | $2,735 | $1,482 | n/a | 45.8% |
| Manatee | $3,181 | $1,859 | $1,368 | 41.6% |
| Marion | $2,191 | $1,766 | $1,081 | 19.4% |
| Martin | $5,899 | $2,471 | $1,765 | 58.1% |
| Miami-Dade | $5,975 | $3,779 | $2,801 | 36.8% |
| Monroe | $7,863 | $1,871 | $3,474 | 76.2% |
| Nassau | $3,051 | $1,608 | $1,809 | 47.3% |
| Okaloosa | $3,889 | $1,889 | $1,729 | 51.4% |
| Okeechobee | $3,730 | $1,973 | $1,476 | 47.1% |
| Orange | $3,610 | $2,565 | $1,295 | 28.9% |
| Osceola | $2,940 | $2,433 | $1,278 | 17.2% |
| Palm Beach | $6,323 | $3,175 | $2,311 | 49.8% |
| Pasco | $2,756 | $1,917 | $994 | 30.4% |
| Pinellas | $4,063 | $2,034 | $1,399 | 49.9% |
| Polk | $2,767 | $2,185 | $1,149 | 21.0% |
| Putnam | $2,621 | $1,768 | $995 | 32.5% |
| Santa Rosa | $3,512 | $1,951 | $1,872 | 44.4% |
| Sarasota | $3,457 | $1,482 | $1,759 | 57.1% |
| Seminole | $3,545 | $2,372 | $1,202 | 33.1% |
| St. Johns | $2,883 | $2,055 | $1,329 | 28.7% |
| St. Lucie | $3,491 | $1,932 | $1,582 | 44.7% |
| Sumter | $2,105 | $1,352 | $1,025 | 35.8% |
| Suwannee | $2,749 | $1,783 | $683 | 35.1% |
| Taylor | $2,698 | $1,300 | $1,090 | 51.8% |
| Union | $2,667 | $3,475 | n/a | n/a |
| Volusia | $2,808 | $1,637 | $1,170 | 41.7% |
| Wakulla | $2,292 | $1,956 | $1,087 | 14.7% |
| Walton | $5,409 | $1,891 | $2,031 | 65.0% |
| Washington | $2,871 | $2,628 | n/a | 8.5% |
Source: OIR July 1, 2026 Stability Report, MIR data as of March 31, 2026. N/A means OIR reported no policies in force for that cell.
Use the wind mitigation calculator to apply a credit to the wind portion, or the Citizens plus flood comparison if you are shopping a Citizens renewal.
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)
Common questions
Which Florida county has the highest average homeowners premium?
Monroe County, at $7,863 for homeowners policies that include wind, in OIR's March 31, 2026 data.
Which county has the lowest?
Sumter County, at $2,105 for homeowners policies that include wind.