Home insurance costs & natural hazards in Florida
Plain facts for Florida homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
Florida at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in Florida pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical Florida ZIP code saw homeowners premiums of $3,211 per policy in 2022, about 2.1 times the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure fell 16% between 2018 and 2022. The figures come from 560 Florida ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 914,338 single-family NFIP policies took effect in Florida in 2025, at an average full cost of $1,411, compared with $1,007 in 2022. About 63% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of Florida's 67 counties FEMA rates relatively high or very high for each hazard. The most widespread are lightning, hurricane and tornado. Open any county for its full hazard profile.
Hazards across Florida's counties
Florida counties
All 67 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Alachua County | $2,159 | $790 | Relatively Moderate |
| Baker County | $2,107 | $965 | Very Low |
| Bay County | $4,663 | $1,079 | Relatively Moderate |
| Bradford County | $2,317 | $935 | Very Low |
| Brevard County | $3,277 | $932 | Relatively High |
| Broward County | $6,148 | $978 | Relatively High |
| Calhoun County | — | $1,282 | Relatively Low |
| Charlotte County | $2,719 | $2,295 | Relatively High |
| Citrus County | $2,377 | $2,208 | Relatively High |
| Clay County | $2,308 | $1,043 | Relatively Moderate |
| Collier County | $5,748 | $1,886 | Relatively High |
| Columbia County | $2,152 | $957 | Relatively Low |
| DeSoto County | $2,797 | $1,142 | Relatively Moderate |
| Dixie County | — | $1,754 | Very Low |
| Duval County | $2,369 | $1,021 | Relatively High |
| Escambia County | $7,028 | $1,159 | Relatively High |
| Flagler County | $3,515 | $1,146 | Relatively Moderate |
| Franklin County | — | $2,540 | Relatively Low |
| Gadsden County | $2,414 | $1,013 | Relatively Low |
| Gilchrist County | — | $1,258 | Very Low |
| Glades County | $2,859 | $973 | Relatively Low |
| Gulf County | — | $1,719 | Relatively Low |
| Hamilton County | — | $1,079 | Relatively Low |
| Hardee County | — | $983 | Relatively Low |
| Hendry County | — | $1,042 | Relatively Low |
| Hernando County | $1,656 | $1,649 | Relatively Moderate |
| Highlands County | $2,134 | $642 | Relatively Moderate |
| Hillsborough County | $3,212 | $1,665 | Relatively High |
| Holmes County | — | $1,042 | Relatively Low |
| Indian River County | $3,877 | $1,291 | Relatively High |
| Jackson County | — | $991 | Relatively Low |
| Jefferson County | $2,862 | $866 | Very Low |
| Lafayette County | — | $1,143 | Very Low |
| Lake County | $2,079 | $759 | Relatively Moderate |
| Lee County | $2,925 | $2,205 | Relatively High |
| Leon County | $2,168 | $952 | Relatively Moderate |
| Levy County | — | $2,635 | Relatively Low |
| Liberty County | — | $1,042 | Very Low |
| Madison County | — | $837 | Relatively Low |
| Manatee County | $2,633 | $1,582 | Relatively High |
| Marion County | $1,925 | $679 | Relatively High |
| Martin County | $5,268 | $1,156 | Relatively Moderate |
| Miami-Dade County | $7,089 | $1,147 | Very High |
| Monroe County | $7,871 | $2,658 | Relatively Moderate |
| Nassau County | $2,306 | $1,125 | Relatively Low |
| Okaloosa County | $3,347 | $1,199 | Relatively Moderate |
| Okeechobee County | — | $993 | Relatively Low |
| Orange County | $2,554 | $701 | Relatively High |
| Osceola County | $2,205 | $709 | Relatively Moderate |
| Palm Beach County | $8,444 | $916 | Relatively High |
| Pasco County | $2,204 | $1,501 | Relatively High |
| Pinellas County | $4,764 | $2,308 | Relatively High |
| Polk County | $2,282 | $687 | Relatively High |
| Putnam County | $2,277 | $1,321 | Relatively Low |
| Santa Rosa County | $2,552 | $1,003 | Relatively Moderate |
| Sarasota County | $4,616 | $1,698 | Relatively High |
| Seminole County | $2,664 | $802 | Relatively Moderate |
| St. Johns County | $2,611 | $1,209 | Relatively Moderate |
| St. Lucie County | $2,777 | $850 | Relatively High |
| Sumter County | $1,654 | $695 | Relatively Moderate |
| Suwannee County | — | $1,030 | Relatively Low |
| Taylor County | — | $1,869 | Relatively Low |
| Union County | — | $870 | Very Low |
| Volusia County | $2,843 | $954 | Relatively High |
| Wakulla County | — | $2,427 | Relatively Low |
| Walton County | $10,031 | $1,079 | Relatively Moderate |
| Washington County | — | $954 | Relatively Low |
ZIP codes with the most flood policies
Practical next steps
Simple things Florida homeowners can do with this information.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer. Treasury's data covers a smaller share of Florida's market than of other states and leaves out Citizens Property Insurance and other residual-market policies, so Florida figures are less representative.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.