2026 Average Florida Homeowners Insurance Rates By County
If you've received your homeowners insurance renewal and your premium increased, you're not alone. Every day we speak with Florida homeowners who are surprised by how much home insurance rates can vary from one county to another. The good news is that many homeowners are saving hundreds-or even thousands-of dollars simply by comparing multiple insurance companies instead of automatically renewing their current policy.
At FloridaHomeInsurance.com, we shop your home with some of Florida's most trusted insurance companies including Nationwide, Travelers, Safeco, Tower Hill, Auto-Owners and Foremost, helping homeowners find affordable protection without sacrificing coverage.
Whether you're buying a new home, your policy is renewing, or your insurance company has increased your premium, comparing quotes can help you find better coverage at a more competitive price. We can even help you bundle and save on both your home and auto insurance rates.
Average Florida Homeowners Insurance Rates By County (2026)
The table below provides estimated average annual homeowners insurance premiums for a typical Florida home with approximately $300,000 in dwelling coverage. Actual rates vary based on your home's age, roof, construction type, claims history, wind mitigation features, deductible, insurance company, and coverage selections.
| Florida County | Average Annual Premium |
|---|---|
| Alachua | $2,650 |
| Baker | $2,450 |
| Bay | $3,850 |
| Bradford | $2,550 |
| Brevard | $3,850 |
| Broward | $6,950 |
| Calhoun | $2,550 |
| Charlotte | $4,350 |
| Citrus | $3,150 |
| Clay | $2,850 |
| Collier | $5,450 |
| Columbia | $2,550 |
| DeSoto | $3,250 |
| Dixie | $3,650 |
| Duval | $3,150 |
| Escambia | $3,550 |
| Flagler | $3,850 |
| Franklin | $5,250 |
| Gadsden | $2,650 |
| Gilchrist | $2,450 |
| Glades | $3,250 |
| Gulf | $4,550 |
| Hamilton | $2,450 |
| Hardee | $2,950 |
| Hendry | $3,750 |
| Hernando | $3,250 |
| Highlands | $3,050 |
| Hillsborough | $4,150 |
| Holmes | $2,650 |
| Indian River | $4,650 |
| Jackson | $2,650 |
| Jefferson | $2,750 |
| Lafayette | $2,450 |
| Lake | $3,150 |
| Lee | $4,850 |
| Leon | $2,850 |
| Levy | $3,050 |
| Liberty | $2,550 |
| Madison | $2,550 |
| Manatee | $4,550 |
| Marion | $2,850 |
| Martin | $4,950 |
| Miami-Dade | $7,450 |
| Monroe | $12,500 |
| Nassau | $2,950 |
| Okaloosa | $3,350 |
| Okeechobee | $3,350 |
| Orange | $3,450 |
| Osceola | $3,650 |
| Palm Beach | $6,250 |
| Pasco | $3,550 |
| Pinellas | $4,250 |
| Polk | $3,250 |
| Putnam | $2,950 |
| St. Johns | $3,350 |
| St. Lucie | $4,750 |
| Santa Rosa | $3,150 |
| Sarasota | $4,650 |
| Seminole | $3,150 |
| Sumter | $2,950 |
| Suwannee | $2,650 |
| Taylor | $3,450 |
| Union | $2,450 |
| Volusia | $3,850 |
| Wakulla | $3,250 |
| Walton | $4,150 |
| Washington | $2,750 |
Estimated average annual premium for a standard owner-occupied Florida home with approximately $300,000 in dwelling coverage. Your actual premium may be higher or lower depending on your home's location, age, roof condition, replacement cost, deductible, coverage limits, claims history, and available discounts.
Why Are Homeowners Insurance Rates Different Across Florida?
One of the most common questions we receive is, "Why does my neighbor pay less for homeowners insurance?" The answer is that insurance companies evaluate dozens of factors when calculating your premium.
- Distance from the coast
- Hurricane and windstorm risk
- Age and condition of your roof
- Replacement cost of your home
- Wind mitigation features
- Claims history
- Construction type
- Electrical, plumbing and HVAC updates
- Fire protection class
- Coverage limits and deductible
Even homes in the same neighborhood can have significantly different premiums because every home presents a different level of risk.
Coastal Counties Typically Have Higher Insurance Premiums
Homes located near Florida's Atlantic and Gulf coastlines generally pay more for homeowners insurance due to increased hurricane exposure, storm surge risk, higher rebuilding costs, and larger insured property values.
Some of the counties with the highest average premiums include:
- Monroe County
- Miami-Dade County
- Broward County
- Palm Beach County
- Collier County
- Martin County
While these counties often experience higher premiums, shopping multiple insurance companies can still uncover substantial savings.
Central and North Florida Often Have Lower Rates
Many inland counties benefit from lower hurricane exposure, allowing homeowners to enjoy lower average insurance premiums.
Some of Florida's more affordable counties include:
- Baker County
- Union County
- Gilchrist County
- Hamilton County
- Columbia County
- Leon County
- Marion County
Even if you live in a lower-risk area, comparing insurance companies is still one of the best ways to lower your premium.
Ways Florida Homeowners Can Save Money
Many homeowners qualify for discounts they don't even know exist. Our licensed agents help identify every available discount to maximize your savings.
- Wind Mitigation Discounts
- New Roof Discounts
- Impact Resistant Windows
- Hurricane Shutters
- Home Security System Discounts
- Bundling Home and Auto Insurance
- Claims-Free Discounts
- Higher Deductible Options
- New Home Discounts
- Multi-Policy Discounts
Compare Quotes From Top Florida Insurance Companies
Every insurance company prices homes differently. That's why shopping multiple carriers can often produce significant savings.
At FloridaHomeInsurance.com, we compare rates from leading insurance companies including:
- Travelers
- Safeco
- Tower Hill
- Foremost
Instead of contacting several insurance companies yourself, let our experienced agents compare multiple quotes for you-all at no cost and with no obligation.
Should You Shop Your Homeowners Insurance in 2026?
Absolutely. Florida's insurance marketplace has become more competitive, and many homeowners are discovering lower premiums simply by comparing several insurance companies before renewing their current policy. Every carrier has different underwriting guidelines, discounts, and pricing models, making comparison shopping more important than ever.
Get Your Free Florida Homeowners Insurance Quote Today
If your homeowners insurance is renewing soon, now is the perfect time to compare rates.
Whether you live in Miami, Orlando, Tampa, Jacksonville, Pensacola, Sarasota, Fort Myers, Naples, Tallahassee, or anywhere else in Florida, our licensed insurance professionals are here to help.
We'll compare quotes from Travelers, Safeco, Tower Hill, Foremost, and other highly rated insurance companies to help you find the right coverage at the most competitive price.
Request your free Florida homeowners insurance quote today and see how much you could save on your home insurance premium.
Related Florida News
- 2026 Average Florida Homeowners Insurance Rates By County
- Florida Homeowners Insurance Market Outlook for 2026
- Florida's Homeowners Insurance Crisis and Why the Recent Rate Cuts Matter
- Florida Property Insurance Companies are Profiting. Do homeowners get a refund?
- Competition Increases as Two New Property Insurers Start in Florida
