$3,409
Florida county average (2024)
66 of 67
Counties with data
$8,402
Highest: Monroe
$2,253
Lowest: Baker
Florida counties by home insurance cost
All 66 natively covered Florida counties, most expensive first (Escrow 2024). Click a column header to re-sort. “% of home value” is the annual premium divided by the county median home value.
| 1 | Monroe | $8,402 | +161% | 0.87% |
| 2 | Broward | $6,075 | +89% | 1.43% |
| 3 | Franklin | $5,628 | +75% | 1.31% |
| 4 | Miami-Dade | $5,493 | +71% | 1.05% |
| 5 | Palm Beach | $5,482 | +70% | 1.16% |
| 6 | Martin | $5,361 | +67% | 1.19% |
| 7 | Collier | $4,431 | +38% | 0.80% |
| 8 | Gulf | $4,226 | +31% | 1.03% |
| 9 | Walton | $3,930 | +22% | 0.60% |
| 10 | Pinellas | $3,899 | +21% | 1.05% |
| 11 | Charlotte | $3,872 | +20% | 1.29% |
| 12 | Glades | $3,807 | +18% | 1.44% |
| 13 | Indian River | $3,776 | +17% | 1.03% |
| 14 | Lee | $3,701 | +15% | 1.09% |
| 15 | Okaloosa | $3,644 | +13% | 1.02% |
| 16 | St. Lucie | $3,640 | +13% | 0.98% |
| 17 | Liberty | $3,628 | +13% | 1.75% |
| 18 | Okeechobee | $3,619 | +12% | 1.24% |
| 19 | Bay | $3,519 | +9% | 1.02% |
| 20 | Escambia | $3,509 | +9% | 1.24% |
| 21 | Hillsborough | $3,489 | +8% | 0.92% |
| 22 | Brevard | $3,478 | +8% | 1.01% |
| 23 | Sarasota | $3,474 | +8% | 0.87% |
| 24 | Calhoun | $3,456 | +7% | 1.93% |
| 25 | DeSoto | $3,430 | +7% | 1.36% |
| 26 | Hendry | $3,401 | +6% | 1.24% |
| 27 | Santa Rosa | $3,389 | +5% | 0.96% |
| 28 | Orange | $3,366 | +5% | 0.83% |
| 29 | Manatee | $3,362 | +5% | 0.82% |
| 30 | Hardee | $3,327 | +3% | 1.37% |
| 31 | Seminole | $3,299 | +3% | 0.81% |
| 32 | Holmes | $3,253 | +1% | 1.72% |
| 33 | Hamilton | $3,246 | +1% | 1.56% |
| 34 | Pasco | $3,188 | -1% | 0.96% |
| 35 | Nassau | $3,158 | -2% | 0.65% |
| 36 | Washington | $3,153 | -2% | 1.40% |
| 37 | Osceola | $3,013 | -6% | 0.83% |
| 38 | Bradford | $3,009 | -6% | 1.17% |
| 39 | Taylor | $2,980 | -7% | 1.48% |
| 40 | Jackson | $2,956 | -8% | 1.61% |
| 41 | Duval | $2,899 | -10% | 0.97% |
| 42 | Clay | $2,898 | -10% | 0.85% |
| 43 | Levy | $2,880 | -10% | 0.99% |
| 44 | Polk | $2,880 | -10% | 0.96% |
| 45 | Dixie | $2,879 | -11% | 1.29% |
| 46 | St. Johns | $2,875 | -11% | 0.58% |
| 47 | Jefferson | $2,872 | -11% | 0.93% |
| 48 | Suwannee | $2,863 | -11% | 1.03% |
| 49 | Volusia | $2,825 | -12% | 0.87% |
| 50 | Madison | $2,797 | -13% | 1.30% |
| 51 | Columbia | $2,787 | -13% | 1.01% |
| 52 | Highlands | $2,779 | -14% | 1.18% |
| 53 | Putnam | $2,760 | -14% | 1.26% |
| 54 | Gadsden | $2,735 | -15% | 1.34% |
| 55 | Lake | $2,721 | -15% | 0.75% |
| 56 | Flagler | $2,700 | -16% | 0.77% |
| 57 | Citrus | $2,612 | -19% | 0.95% |
| 58 | Alachua | $2,610 | -19% | 0.85% |
| 59 | Leon | $2,581 | -20% | 0.87% |
| 60 | Wakulla | $2,578 | -20% | 0.89% |
| 61 | Gilchrist | $2,505 | -22% | 0.81% |
| 62 | Union | $2,493 | -23% | 0.92% |
| 63 | Marion | $2,440 | -24% | 0.89% |
| 64 | Hernando | $2,416 | -25% | 0.78% |
| 65 | Sumter | $2,310 | -28% | 0.59% |
| 66 | Baker | $2,253 | -30% | 0.70% |
Free to reuse with attribution (CC BY 4.0).
Methodology
Each county figure is the median annual homeowners insurance payment for owner-occupied homes with a mortgage escrow account, from data compiled by Benjamin Keys and Philip Mulder in NBER Working Paper 32579 (premiums through 2024). The Florida average is a simple mean of the covered counties.
Escrow data reflects mortgaged, owner-occupied homes, so a few counties can be absent, and we publish only counties with a natively measured value. For the full methodology and the national picture, see the national home insurance by county report.
Cite or reuse this data
This dataset is offered under a Creative Commons Attribution 4.0 license (CC BY 4.0). Journalists and researchers are free to reuse the tables and the CSV in stories, charts, and reports, including commercially, as long as HearthMap is credited with a link. See the license page and the press kit.
Suggested citation
HearthMap, "Homeowners Insurance Costs by County in Florida (2024)," https://hearthmap.app/home-insurance-by-county/florida. Based on Keys and Mulder, NBER Working Paper 32579.
Home insurance in Florida: frequently asked questions
- What is the average cost of homeowners insurance in Florida?
- The average homeowners insurance premium in Florida was $3,409 per year in 2024, a simple mean across the 66 counties with mortgage-escrow data (Keys-Mulder, NBER Working Paper 32579).
- Which Florida county has the cheapest home insurance?
- Baker had the lowest average homeowners insurance premium in Florida at $2,253 per year in 2024.
- Which Florida county has the most expensive home insurance?
- Monroe had the highest average homeowners insurance premium in Florida at $8,402 per year in 2024.
- How many Florida counties are in this dataset?
- 66 of 67 Florida counties have a natively measured premium from mortgage-escrow data. Counties without enough escrowed mortgages are not shown.
Related
- Cheapest counties for home insurance in Florida
- Home insurance by county, nationwide
- Interactive map of homeowners insurance cost
- Florida cost of living, schools & demographics
Home insurance by county in other states:
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