Quick Answer — Home Insurance in Florida
Homeowners insurance in Florida costs about $10,240/year ($853/month) in 2026 — +189% above the U.S. average of $3,548 (MoneyGeek). Florida is the most expensive state in the country for homeowners insurance, running roughly three to four times the national average.
$10,240/yr
Florida average
$853/mo
Monthly estimate
+189%
vs US avg ($3,548)
Hurricanes + litigation
Main cost driver
Florida is the most expensive state in the country for homeowners insurance, running roughly three to four times the national average. Atlantic and Gulf hurricanes, heavy roof-claim litigation, and a wave of national carriers leaving the market have pushed rates to the top of every ranking.
Estimate your own premium by home value and coverage level
Open the Home Insurance Calculator →How Much Is Homeowners Insurance in Florida?
| Reference | Annual | Monthly |
|---|---|---|
| Florida average | $10,240 | $853 |
| U.S. national average | $3,548 | $296 |
| Most expensive state (Florida) | $10,240 | $853 |
| Cheapest of the major states (California avg) | $1,348 | $112 |
Average annual premiums are MoneyGeek 2026 figures for a standardized homeowner profile. Your rate varies by dwelling value, home age, roof, ZIP code, deductible, and claims history.
Why Homeowners Insurance Is Expensive in Florida
Florida is the most expensive state in the country for homeowners insurance, running roughly three to four times the national average. Atlantic and Gulf hurricanes, heavy roof-claim litigation, and a wave of national carriers leaving the market have pushed rates to the top of every ranking.
How to Lower Your Home Insurance in Florida
- Get a wind-mitigation inspection — Florida law requires insurers to give credits for hurricane straps, a hip roof, and impact-rated openings.
- Install hurricane shutters or impact glass and document upgrades to qualify for premium discounts.
- Compare private carriers before defaulting to Citizens, which is meant to be a last resort.
- Compare at least three insurers each renewal, and bundle home with auto for a multi-policy discount.
Homeowners Insurance Cost in Other States
Home insurance is priced state by state, so costs swing widely. Compare Florida with other states:
Frequently Asked Questions
How much is homeowners insurance in Florida?
The average homeowners insurance premium in Florida is about $10,240 per year, or roughly $853 per month, in 2026 (MoneyGeek). That is +189% above the U.S. national average of $3,548. Your actual rate depends on your home's value, age, roof, location, and claims history.
Why is homeowners insurance expensive in Florida?
Florida is the most expensive state in the country for homeowners insurance, running roughly three to four times the national average. Atlantic and Gulf hurricanes, heavy roof-claim litigation, and a wave of national carriers leaving the market have pushed rates to the top of every ranking.
How can I lower my homeowners insurance in Florida?
Get a wind-mitigation inspection — Florida law requires insurers to give credits for hurricane straps, a hip roof, and impact-rated openings. Install hurricane shutters or impact glass and document upgrades to qualify for premium discounts. Compare private carriers before defaulting to Citizens, which is meant to be a last resort.
Is home insurance required in Florida?
No state legally requires homeowners insurance, but your mortgage lender will require it as a condition of the loan. If you own the home outright it is optional, though going without coverage in Florida is a significant financial risk given local perils.