In this explainer

The average Florida homeowner now pays $4,820/yr for home insurance — more than double the national average. Here is what is actually driving it.

General information, not professional financial, tax, legal, or insurance advice. The Dreamy Leads Research Desk is an editorial and data team, not a licensed advisor.

Chapters

  1. 0:05 The headline number
  2. 0:17 What is driving the cost
  3. 0:30 Who writes the policies

See your Florida numbers

The figures in this explainer come from our live dataset. Explore them for your own state or metro:

Full transcript

The headline number

Florida's statewide average home-insurance premium is about $4,820/yr. For context, auto runs about $3,120/yr. These are descriptive market averages, not quotes — your home is priced on its own risk.

What is driving the cost

Roughly 19% of Florida homes sit in a flood zone, and statewide wind exposure is high. Reinsurance costs and catastrophe risk flow straight into premiums, which is why Florida tops the country.

Who writes the policies

The carriers with the largest Florida market share include Citizens, Universal, Security First. Because high-risk pricing varies widely between carriers, comparing several is the most reliable way to control the total cost.

Frequently Asked Questions

Why is Florida home insurance so expensive in 2026?

Florida has the highest average home-insurance premiums in the country because of hurricane and flood exposure, high reinsurance costs, and litigation. The statewide average is more than double the national average.

How much is home insurance in Florida in 2026?

The Florida statewide average home-insurance premium is about $4,820 per year, though your own premium depends on your home, location, and coverage. These are descriptive market averages, not quotes.

Sources