Florida Home Insurance by County
Average premiums, risk factors, available carriers, and savings strategies for all 67 Florida counties. Click any county for a complete guide.
Florida home insurance costs $1,600–$18,000+ per year depending on your county. Location is the #1 pricing factor — a homeowner in Baker County pays 5× less than one in Monroe County for the same coverage. Find your county below for localized rates, risk factors, and carrier availability.
North Central Florida
Alachua County
$1,800–$2,600/yr avg · Low risk · Wind Zone Zone 1 (110-120 mph)
Northeast Florida
Baker County
$1,600–$2,200/yr avg · Low risk · Wind Zone Zone 1 (100-110 mph)
Panhandle
Bay County
$2,800–$4,500/yr avg · High risk · Wind Zone Zone 2 (140-160 mph)
North Central Florida
Bradford County
$1,700–$2,400/yr avg · Low risk · Wind Zone Zone 1 (100-110 mph)
Space Coast
Brevard County
$3,000–$5,000/yr avg · High risk · Wind Zone Zone 2 (140-160 mph)
South Florida
Broward County
$4,200–$6,500/yr avg · Very High risk · Wind Zone Zone 3 (170-180 mph)
Panhandle
Calhoun County
$1,800–$2,600/yr avg · Low to Moderate risk · Wind Zone Zone 1 (110-130 mph)
Southwest Florida
Charlotte County
$3,200–$5,200/yr avg · High risk · Wind Zone Zone 2 (140-160 mph)
Nature Coast
Citrus County
$2,400–$3,600/yr avg · Moderate risk · Wind Zone Zone 2 (120-140 mph)
Northeast Florida
Clay County
$2,000–$3,000/yr avg · Low to Moderate risk · Wind Zone Zone 1 (120-130 mph)
Southwest Florida
Collier County
$4,000–$6,800/yr avg · Very High risk · Wind Zone Zone 3 (160-170 mph)
North Florida
Columbia County
$1,700–$2,400/yr avg · Low risk · Wind Zone Zone 1 (100-110 mph)
Southwest Florida
DeSoto County
$2,200–$3,200/yr avg · Moderate risk · Wind Zone Zone 2 (130-140 mph)
Nature Coast
Dixie County
$2,000–$3,000/yr avg · Moderate risk · Wind Zone Zone 1 (110-130 mph)
Northeast Florida
Duval County
$2,100–$3,200/yr avg · Moderate risk · Wind Zone Zone 2 (130-140 mph)
Panhandle
Escambia County
$2,200–$3,600/yr avg · High risk · Wind Zone Zone 2 (140-150 mph)
Northeast Florida
Flagler County
$2,800–$4,200/yr avg · Moderate to High risk · Wind Zone Zone 2 (130-150 mph)
Panhandle
Franklin County
$2,400–$4,000/yr avg · High risk · Wind Zone Zone 2 (130-150 mph)
North Florida
Gadsden County
$1,800–$2,600/yr avg · Low to Moderate risk · Wind Zone Zone 1 (110-120 mph)
North Central Florida
Gilchrist County
$1,700–$2,400/yr avg · Low risk · Wind Zone Zone 1 (100-110 mph)
South Central Florida
Glades County
$2,200–$3,200/yr avg · Moderate risk · Wind Zone Zone 2 (130-140 mph)
Panhandle
Gulf County
$2,200–$3,600/yr avg · High risk · Wind Zone Zone 2 (130-150 mph)
North Florida
Hamilton County
$1,600–$2,200/yr avg · Low risk · Wind Zone Zone 1 (100-110 mph)
Central Florida
Hardee County
$2,000–$2,800/yr avg · Low to Moderate risk · Wind Zone Zone 1 (120-130 mph)
Southwest Florida
Hendry County
$2,400–$3,600/yr avg · Moderate risk · Wind Zone Zone 2 (130-140 mph)
Nature Coast
Hernando County
$2,600–$3,800/yr avg · Moderate to High risk · Wind Zone Zone 2 (130-140 mph)
Central Florida
Highlands County
$2,000–$3,000/yr avg · Low to Moderate risk · Wind Zone Zone 1 (120-130 mph)
Tampa Bay
Hillsborough County
$3,500–$5,800/yr avg · High risk · Wind Zone Zone 2 (130-150 mph)
Panhandle
Holmes County
$1,700–$2,400/yr avg · Low risk · Wind Zone Zone 1 (110-120 mph)
Treasure Coast
Indian River County
$3,000–$4,800/yr avg · High risk · Wind Zone Zone 2 (140-160 mph)
Panhandle
Jackson County
$1,800–$2,600/yr avg · Low to Moderate risk · Wind Zone Zone 1 (110-130 mph)
North Florida
Jefferson County
$1,800–$2,600/yr avg · Low risk · Wind Zone Zone 1 (100-110 mph)
North Florida
Lafayette County
$1,600–$2,200/yr avg · Low risk · Wind Zone Zone 1 (100-110 mph)
Central Florida
Lake County
$2,200–$3,200/yr avg · Moderate risk · Wind Zone Zone 2 (120-130 mph)
Southwest Florida
Lee County
$3,800–$6,500/yr avg · Very High risk · Wind Zone Zone 2 (150-160 mph)
North Florida
Leon County
$1,900–$2,800/yr avg · Moderate risk · Wind Zone Zone 1 (120-130 mph)
Nature Coast
Levy County
$2,000–$3,000/yr avg · Moderate risk · Wind Zone Zone 1 (110-130 mph)
Panhandle
Liberty County
$1,700–$2,400/yr avg · Low risk · Wind Zone Zone 1 (110-120 mph)
North Florida
Madison County
$1,700–$2,400/yr avg · Low risk · Wind Zone Zone 1 (100-110 mph)
Southwest Florida
Manatee County
$3,200–$5,000/yr avg · High risk · Wind Zone Zone 2 (140-150 mph)
North Central Florida
Marion County
$1,800–$2,600/yr avg · Low risk · Wind Zone Zone 1 (110-120 mph)
Treasure Coast
Martin County
$3,200–$5,000/yr avg · High risk · Wind Zone Zone 2 (140-160 mph)
South Florida
Miami-Dade County
$5,300–$7,500/yr avg · Very High risk · Wind Zone Zone 3 (170-180 mph)
Florida Keys
Monroe County
$7,000–$18,000+/yr avg · Extreme risk · Wind Zone Zone 3 (180+ mph)
Northeast Florida
Nassau County
$2,200–$3,400/yr avg · Moderate risk · Wind Zone Zone 2 (130-140 mph)
Panhandle
Okaloosa County
$2,400–$3,800/yr avg · Moderate to High risk · Wind Zone Zone 2 (130-150 mph)
Central Florida
Okeechobee County
$2,200–$3,200/yr avg · Moderate risk · Wind Zone Zone 2 (130-140 mph)
Central Florida
Orange County
$2,200–$3,400/yr avg · Moderate risk · Wind Zone Zone 2 (130-140 mph)
Central Florida
Osceola County
$2,400–$3,400/yr avg · Moderate risk · Wind Zone Zone 2 (120-130 mph)
South Florida
Palm Beach County
$4,500–$7,000/yr avg · Very High risk · Wind Zone Zone 3 (160-170 mph)
Tampa Bay
Pasco County
$2,800–$4,200/yr avg · High risk · Wind Zone Zone 2 (130-150 mph)
Tampa Bay
Pinellas County
$3,200–$5,500/yr avg · Very High risk · Wind Zone Zone 2 (140-160 mph)
Central Florida
Polk County
$2,400–$3,600/yr avg · Moderate risk · Wind Zone Zone 2 (120-130 mph)
Northeast Florida
Putnam County
$1,800–$2,600/yr avg · Low risk · Wind Zone Zone 1 (110-120 mph)
Panhandle
Santa Rosa County
$2,200–$3,600/yr avg · Moderate to High risk · Wind Zone Zone 2 (130-150 mph)
Southwest Florida
Sarasota County
$3,400–$5,500/yr avg · High risk · Wind Zone Zone 2 (140-160 mph)
Central Florida
Seminole County
$2,400–$3,400/yr avg · Moderate risk · Wind Zone Zone 2 (120-130 mph)
Northeast Florida
St. Johns County
$2,400–$3,800/yr avg · Moderate to High risk · Wind Zone Zone 2 (130-140 mph)
Treasure Coast
St. Lucie County
$3,400–$5,200/yr avg · High risk · Wind Zone Zone 2 (140-160 mph)
Central Florida
Sumter County
$1,600–$2,400/yr avg · Low risk · Wind Zone Zone 1 (110-120 mph)
North Florida
Suwannee County
$1,700–$2,400/yr avg · Low risk · Wind Zone Zone 1 (100-110 mph)
North Florida
Taylor County
$1,900–$2,800/yr avg · Moderate risk · Wind Zone Zone 1 (110-130 mph)
North Central Florida
Union County
$1,600–$2,200/yr avg · Low risk · Wind Zone Zone 1 (100-110 mph)
East Central Florida
Volusia County
$2,800–$4,200/yr avg · High risk · Wind Zone Zone 2 (130-150 mph)
North Florida
Wakulla County
$2,000–$3,000/yr avg · Moderate risk · Wind Zone Zone 1 (120-130 mph)
Panhandle
Walton County
$2,400–$4,000/yr avg · Moderate to High risk · Wind Zone Zone 2 (130-150 mph)
Panhandle
Washington County
$1,800–$2,600/yr avg · Low to Moderate risk · Wind Zone Zone 1 (110-130 mph)
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