Which county in Florida has the lowest homeowners insurance?

Baker has the lowest homeowners insurance in Florida, at $2,253.

What is the homeowners insurance in Baker?

Baker is ranked #1 in Florida for homeowners insurance, at $2,253.

How is this homeowners insurance ranking calculated?

Counties in Florida are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.

Counties With the Cheapest Homeowners Insurance in Florida (2026)

Full county table and CSV download: Home insurance by county in Florida

Cheapest counties for homeowners insurance in Florida

Top 25 of 67 counties with data.

Ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first.

Cheapest counties for homeowners insurance in Florida

Rank	County	Value
01	Baker$2,253 County page
02	Sumter$2,310 County page
03	Hernando$2,416 County page
04	Marion$2,440 County page
05	Union$2,493 County page
06	Gilchrist$2,505 County page
07	Wakulla$2,578 County page
08	Leon$2,581 County page
09	Alachua$2,610 County page
10	Citrus$2,612 County page
11	Flagler$2,700 County page
12	Lake$2,721 County page
13	Gadsden$2,735 County page
14	Putnam$2,760 County page
15	Highlands$2,779 County page
16	Columbia$2,787 County page
17	Madison$2,797 County page
18	Volusia$2,825 County page
19	Suwannee$2,863 County page
20	Jefferson$2,872 County page
21	St. Johns$2,875 County page
22	Dixie$2,879 County page
23	Levy$2,880 County page
24	Polk$2,880 County page
25	Clay$2,898 County page

How this ranking works

This page ranks Florida counties by homeowners insurance cost, sorted so the cheapest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For homeowners insurance, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh homeowners insurance against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of homeowners insurance cost.

Frequently asked questions

Which county in Florida has the lowest homeowners insurance?: Baker has the lowest homeowners insurance in Florida, at $2,253.
What is the homeowners insurance in Baker?: Baker is ranked #1 in Florida for homeowners insurance, at $2,253.
How is this homeowners insurance ranking calculated?: Counties in Florida are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.