🏠 Home insurance cost in Florida (2026)
The estimated average is $4,370 per year — above the national average (+90% vs. the U.S. average of $2,300).
Florida is home to about 22.6 million people, and home insurance here runs above the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Jacksonville typically differ from smaller towns.
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Florida home insurance estimator
Starts from the Florida average. Estimate only — get quotes to confirm.
Home insurance cost in Florida cities
| City | Population | Est. home insurance |
|---|---|---|
| Jacksonville | 971,319 | $4,720 |
| Miami | 449,514 | $4,545 |
| Tampa | 403,364 | $4,545 |
| Orlando | 320,742 | $4,545 |
| St. Petersburg | 261,256 | $4,545 |
| Port St. Lucie | 231,790 | $4,370 |
| Hialeah | 221,806 | $4,370 |
| Cape Coral | 216,992 | $4,370 |
| Tallahassee | 202,221 | $4,370 |
| Fort Lauderdale | 184,255 | $4,370 |
Florida home insurance FAQ
How much is home insurance in Florida?
The estimated average home insurance in Florida is $4,370 per year, which is above the national average (+90% vs. the U.S. average of $2,300). Florida ranks 3 of 51 states from most to least expensive.
Why is home insurance expensive in Florida?
Home insurance pricing in Florida reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the South.
How can I save on home insurance in Florida?
Compare at least three quotes from insurers active in Florida, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.