Home Insurance in Florida — Average Cost 2026
Average home insurance in Florida: $4,400/year ($367/month). Florida ranks #51 out of 51 states — above the national average.
Average annual
$4,400
Average monthly
$367
National rank
#51
of 51 states
vs national avg
+208.1%
Florida vs national average
Get your personalized estimate
State averages are the starting point. Your actual rate depends on your individual profile. Use our calculator for a detailed estimate.
Why is home insurance expensive in Florida?
Florida faces elevated home insurance costs due to significant hurricane and wind storm exposure. Insurers price policies to account for the probability and severity of storm damage, which pushes premiums 208% above the national average in Florida.
Homeowners in Florida should note that standard homeowners policies may not cover flood damage — separate flood insurance through the NFIP or private carriers is typically required for comprehensive protection in hurricane-prone areas.