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Methodology
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- County premiums come from the Florida Office of Insurance Regulation's July 1, 2026 Property Insurance Stability Report (MIR data as of March 31, 2026). Average = total premium ÷ policies in force, computed separately for policies including wind and excluding wind, for homeowners and for condominium unit owners.
- Implied wind share = (including-wind average − excluding-wind average) ÷ including-wind average, only when the excluding-wind average is lower. This is our calculation from OIR's two averages, not an insurer's filed relativities.
- Wind-mitigation savings = premium × wind share × credit. The credit percentage is an input, because insurer tables differ and OIR's published range form is pending updates.
- Roof payback = reroof cost ÷ (current premium − new-roof premium) when the new quote is lower. Eligibility text follows s. 627.7011.
- Hurricane deductibles are percentages of the dwelling limit, applied the way DFS describes under ss. 627.701 and 627.4025, including the calendar-year second-storm rule.
- Citizens plus flood vs. private is simple addition, using Citizens' own flood-eligibility rules and Citizens' observation that private insurers are not required to demand flood coverage.
- Citizens' 2026 homeowners multiperil average rate decrease of 8.8% comes from Citizens' March 4, 2026 news release and its April 30, 2026 implementation update.
Where no official source gives a default (the sample flood premium on the Citizens comparison page), we label it an assumption. Scope: Florida personal-lines homeowners and related residential coverage; not commercial property and not a substitute for a licensed agent's quote. Last reviewed November 10, 2026.
Estimates only. These results are for planning, not quotes, and not insurance, legal or financial advice. Your premium depends on the insurer, coverage, deductibles, construction, claims history and underwriting. Get quotes from a licensed Florida agent.