Florida Home Insurance
Florida's average cost, dominant risk, and a free replacement-cost estimate — no signup, no quote spam.
Avg. annual premium
$5,500/yr
Dominant risk
Hurricane & flood
Hazard tier
high
Estimate your Florida home insurance
Estimated annual home insurance
$2,867
Dwelling = sqft × rebuild cost. Doesn't include flood (NFIP) or earthquake (separate policies).
Florida home insurance: what to know
Florida has the highest home insurance costs in the nation, driven by hurricane wind and flood; flood needs a separate NFIP or private policy.
Because Florida is a high-hazard state for hurricane & flood, expect a separate wind/hail or catastrophe deductible and confirm whether you also need flood or earthquake coverage, which standard policies never include.
Florida home insurance FAQ
How much does home insurance cost in Florida?
Homeowners insurance in Florida averages roughly $5,500 per year, but your rate depends heavily on your home's rebuild cost, construction, claims history, and ZIP code. Use the estimator above and always compare at least three carriers.
What is the biggest home insurance risk in Florida?
The dominant natural risk in Florida is hurricane & flood. Florida has the highest home insurance costs in the nation, driven by hurricane wind and flood; flood needs a separate NFIP or private policy.
Does Florida home insurance cover floods and earthquakes?
No. Standard homeowners policies in Florida — like everywhere in the U.S. — exclude flood and earthquake damage. Flood coverage comes from a separate NFIP or private flood policy, and earthquake coverage requires a separate policy or endorsement. Given Florida's high-hazard profile, check whether you need either before a loss occurs.
How can I lower my home insurance in Florida?
Compare at least three carriers, bundle home and auto, and raise your deductible if you can cover it. In a high-hazard state, ask about wind/hail mitigation credits — a fortified roof, storm shutters, or impact glass can cut a hurricane & flood-driven premium meaningfully. Always insure to full replacement cost — under-insuring to save a few dollars backfires at claim time.