Florida Homeowners Insurance

Reviewed byPlaininsure Editorial, Homeowners Insurance Transparency Editorial Team · June 4, 2026

U.S. Treasury FIO data for 559 ZIP codes in Florida (FL).

Homeowners in Florida pay an average of $4,870 per year for home insurance — 174% above the national average of $1,776. That ranks Florida as the 1st most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums fell by 3.1%; nonrenewal rates declined by 32.6% over the same period.

On five-year premium growth (2018–2022), Florida ranks 49th out of 51 states. Its nonrenewal rate (0.62%) ranks 46th out of 50 — nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

Source: U.S. Department of the Treasury, Federal Insurance Office — "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for caveats.

Avg Premium

$4,870/yr

National avg: $1,776 (+174% above)

Premium Change

-3.1%

2018-2022 change

Avg Loss Ratio

76.9%

Claims paid vs premiums earned

Nonrenewal Rate

0.62%

-32.6% change

Data Snapshot: Florida Homeowners Insurance

Florida homeowners paid an average of $4,870 per year for home insurance based on U.S. Treasury FIO data covering 559 ZIP codes across the state. That is 174% above the national average of $1,776 per year reported by the Federal Insurance Office. Florida ranks 1st most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $1,503 in 33576 to $40,719 in 33480.

Between 2018 and 2022, average premiums fell by 3.1% in Florida, placing the state 49th nationally on five-year premium growth. The state-level loss ratio averaged 76.9%, meaning insurers retained a healthy margin after claims, typical of stable markets. Nonrenewal rates — the share of policies insurers decline to extend at expiration — averaged 0.62%, a decline of 32.6% over the study period (ranking 46th out of 50 states).

Within Florida, premium dispersion across ZIP codes is substantial: the most expensive ZIP (33480 in Palm Beach) charges 2610% more than the least expensive (33576 in San Antonio), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is for educational research only and is not insurance advice — homeowners should obtain quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.

Loss Ratio Reading: Florida

Florida statewide — FIO 2018-2022 average: 77% (Healthy) — standard operating range, sustainable for long-run pricing.

ZIP Codes Tracked

559

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$5,025	$3,848	49.6%	10.31%	0.93%
2019	$5,283 (+5.1%)	$4,020	46.1%	7.73%	0.69%
2020	$4,893 (-7.4%)	$3,455	43.5%	7.20%	0.72%
2021	$4,837 (-1.1%)	$3,251	39.7%	5.78%	0.65%
2022	$4,870 (+0.7%)	$3,212	76.9%	10.16%	0.62%

Average Premium by Year

$5,025

2018

$5,283

2019

$4,893

2020

$4,837

2021

$4,870

2022

Most Expensive ZIP Codes in Florida

Most Affordable ZIP Codes in Florida

All ZIP Codes in Florida

559 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
33480	Palm Beach	$40,719	7.4%	5.88%	0.24%
33140	Miami Beach	$34,055	12.2%	7.86%	0.21%
33316	Fort Lauderdale	$24,366	6.1%	10.53%	0.75%
34102	Naples	$23,927	35.8%	21.66%	0.14%
33141	Miami Beach	$23,306	9.3%	3.45%	0.49%
33462	Lake Worth	$23,271	7.4%	3.37%	0.37%
33408	North Palm Beach	$22,223	5.9%	5.10%	1.32%
33455	Hobe Sound	$22,109	11.9%	7.61%	N/A
32963	Vero Beach	$22,107	29.0%	6.71%	0.44%
33156	Miami	$21,818	19.0%	6.61%	0.54%
33483	Delray Beach	$21,807	11.5%	8.19%	0.88%
33143	Miami	$20,377	15.7%	6.32%	0.70%
32561	Gulf Breeze	$19,891	4.1%	4.18%	0.32%
33158	Miami	$18,684	20.3%	6.02%	N/A
33301	Fort Lauderdale	$18,274	44.9%	9.81%	0.27%
33432	Boca Raton	$17,430	12.2%	6.56%	0.89%
33146	Miami	$16,565	15.2%	5.00%	0.94%
34228	Longboat Key	$16,387	16.5%	12.34%	N/A
33133	Miami	$16,296	5.7%	5.73%	0.67%
33477	Jupiter	$15,997	9.2%	6.21%	0.76%
33062	Pompano Beach	$15,346	18.2%	4.79%	N/A
33308	Fort Lauderdale	$14,813	8.4%	5.69%	0.53%
33715	Saint Petersburg	$14,639	9.6%	6.42%	1.83%
34242	Sarasota	$14,228	2.2%	4.37%	1.94%
33304	Fort Lauderdale	$14,108	2.9%	2.12%	N/A
33487	Boca Raton	$14,049	6.5%	5.34%	N/A
33306	Fort Lauderdale	$13,900	0.5%	2.35%	N/A
33957	Sanibel	$13,752	57.6%	14.33%	0.64%
33435	Boynton Beach	$13,667	18.0%	7.77%	0.71%
34103	Naples	$13,359	27.1%	18.87%	0.31%
33305	Fort Lauderdale	$13,197	8.1%	3.13%	0.39%
34217	Bradenton Beach	$13,081	20.9%	8.11%	N/A
33157	Miami	$13,061	22.0%	4.88%	0.24%
33019	Hollywood	$12,992	45.7%	8.87%	0.40%
32550	Miramar Beach	$12,943	3.5%	4.51%	N/A
33405	West Palm Beach	$12,591	11.9%	5.79%	0.61%
34108	Naples	$12,356	31.3%	16.38%	0.43%
34236	Sarasota	$12,321	7.0%	3.98%	0.44%
33496	Boca Raton	$12,315	19.7%	8.56%	0.37%
33431	Boca Raton	$12,197	7.7%	6.91%	0.33%
34145	Marco Island	$11,902	8.2%	6.78%	0.44%
33064	Pompano Beach	$11,807	14.7%	5.42%	0.52%
33410	Palm Beach Gardens	$11,801	9.3%	5.83%	0.72%
33469	Jupiter	$11,796	26.9%	7.95%	0.61%
33138	Miami	$11,737	7.3%	3.64%	N/A
33037	Key Largo	$11,697	4.2%	1.60%	0.10%
33129	Miami	$11,639	30.9%	5.48%	N/A
33401	West Palm Beach	$11,624	11.0%	4.32%	0.36%
33179	Miami	$11,056	20.8%	8.99%	0.56%
33060	Pompano Beach	$10,912	23.1%	6.59%	0.90%
33134	Miami	$10,837	11.9%	2.77%	1.04%
33460	Lake Worth	$10,837	45.4%	3.52%	1.01%
33486	Boca Raton	$10,817	23.0%	6.71%	1.18%
33444	Delray Beach	$10,697	10.9%	5.28%	1.13%
32501	Pensacola	$10,231	4.3%	5.14%	N/A
32459	Santa Rosa Beach	$10,031	10.7%	4.14%	N/A
33180	Miami	$10,023	27.7%	6.19%	1.90%
34229	Osprey	$9,924	5.0%	7.92%	N/A
33441	Deerfield Beach	$9,911	19.4%	6.58%	1.65%
33606	Tampa	$9,481	12.7%	8.94%	0.43%
32951	Melbourne Beach	$9,415	35.9%	4.86%	1.21%
33706	Saint Petersburg	$9,271	10.1%	3.10%	N/A
34134	Bonita Springs	$9,261	105.6%	25.53%	N/A
33189	Miami	$9,257	21.0%	6.85%	0.91%
33020	Hollywood	$9,244	20.1%	5.68%	0.87%
32903	Indialantic	$9,157	30.7%	7.45%	N/A
33407	West Palm Beach	$9,059	8.6%	4.00%	N/A
33629	Tampa	$9,057	21.1%	7.19%	0.17%
33004	Dania	$9,048	4.8%	2.65%	N/A
33767	Clearwater Beach	$9,003	5.0%	2.21%	N/A
33404	West Palm Beach	$8,965	13.0%	7.17%	N/A
33418	Palm Beach Gardens	$8,949	37.9%	6.22%	0.07%
33609	Tampa	$8,868	104.8%	11.57%	N/A
34105	Naples	$8,766	58.6%	11.78%	N/A
33434	Boca Raton	$8,671	53.5%	6.51%	N/A
33414	Wellington	$8,217	12.9%	3.89%	0.09%
33176	Miami	$8,199	27.0%	7.16%	0.92%
33161	Miami	$8,182	20.1%	3.77%	N/A
33330	Fort Lauderdale	$8,137	71.1%	11.27%	0.36%
34110	Naples	$8,082	46.1%	13.87%	0.17%
33334	Fort Lauderdale	$8,045	9.2%	3.86%	0.26%
33433	Boca Raton	$7,866	31.1%	8.46%	0.51%
33315	Fort Lauderdale	$7,807	29.9%	5.07%	0.46%
32082	Ponte Vedra Beach	$7,754	20.6%	9.39%	0.08%
33458	Jupiter	$7,741	13.3%	5.35%	0.13%
33331	Fort Lauderdale	$7,628	88.3%	12.26%	N/A
32503	Pensacola	$7,577	9.8%	4.16%	0.24%
33613	Tampa	$7,381	109.8%	4.63%	N/A
34239	Sarasota	$7,287	14.7%	7.69%	0.73%
33021	Hollywood	$7,195	48.3%	6.82%	0.59%
33009	Hallandale	$7,165	30.0%	6.76%	N/A
32937	Satellite Beach	$7,165	44.5%	8.94%	N/A
33162	Miami	$7,089	31.9%	5.88%	N/A
33332	Fort Lauderdale	$7,078	23.2%	5.76%	N/A
32504	Pensacola	$7,067	11.5%	4.00%	0.14%
32507	Pensacola	$7,028	64.6%	10.91%	N/A
34275	Nokomis	$6,985	4.6%	5.24%	0.70%
32118	Daytona Beach	$6,826	9.1%	8.93%	0.45%
33446	Delray Beach	$6,797	23.2%	5.85%	0.09%
33611	Tampa	$6,793	9.2%	4.93%	0.27%
33484	Delray Beach	$6,781	59.0%	7.92%	N/A
34234	Sarasota	$6,776	5.5%	7.52%	1.50%
33067	Pompano Beach	$6,693	55.9%	8.40%	0.51%
33406	West Palm Beach	$6,682	11.5%	4.35%	N/A
34223	Englewood	$6,576	21.0%	13.17%	1.34%
33436	Boynton Beach	$6,497	13.4%	6.40%	N/A
33756	Clearwater	$6,469	11.6%	6.62%	N/A
33449	Lake Worth	$6,454	49.8%	9.52%	0.32%
32176	Ormond Beach	$6,435	9.0%	6.57%	0.29%
34285	Venice	$6,324	17.4%	9.31%	0.90%
32789	Winter Park	$6,309	74.6%	24.91%	0.76%
32408	Panama City	$6,290	114.8%	5.93%	N/A
33327	Fort Lauderdale	$6,257	49.1%	11.45%	N/A
33324	Fort Lauderdale	$6,229	59.6%	10.18%	0.30%
33155	Miami	$6,184	46.9%	8.90%	0.68%
33312	Fort Lauderdale	$6,148	40.5%	7.74%	N/A
32169	New Smyrna Beach	$6,133	143.4%	30.32%	1.08%
34689	Tarpon Springs	$6,080	8.7%	5.00%	N/A
33173	Miami	$6,000	47.7%	10.69%	0.76%
33931	Fort Myers Beach	$5,969	1009.4%	75.21%	N/A
32413	Panama City Beach	$5,952	264.0%	2.82%	N/A
33707	Saint Petersburg	$5,911	4.7%	5.15%	N/A
33326	Fort Lauderdale	$5,908	17.9%	8.11%	N/A
34786	Windermere	$5,901	61.8%	14.36%	0.64%
34109	Naples	$5,816	46.4%	7.38%	N/A
33071	Coral Springs	$5,808	132.6%	19.06%	N/A
33325	Fort Lauderdale	$5,771	84.5%	10.89%	N/A
34683	Palm Harbor	$5,754	17.8%	6.36%	N/A
33428	Boca Raton	$5,708	24.1%	6.55%	0.34%
34113	Naples	$5,681	34.8%	7.65%	1.37%
33412	West Palm Beach	$5,633	45.4%	4.98%	0.65%
33328	Fort Lauderdale	$5,610	33.2%	6.84%	N/A
33498	Boca Raton	$5,548	59.3%	9.18%	0.48%
33317	Fort Lauderdale	$5,459	45.6%	6.37%	N/A
32952	Merritt Island	$5,431	20.5%	8.00%	N/A
33178	Miami	$5,393	26.3%	5.65%	N/A
33076	Pompano Beach	$5,386	41.9%	5.50%	0.27%
33166	Miami	$5,386	17.5%	5.26%	N/A
34231	Sarasota	$5,356	14.9%	11.82%	0.49%
33478	Jupiter	$5,340	13.6%	3.01%	N/A
34997	Stuart	$5,268	45.5%	4.58%	0.40%
33026	Hollywood	$5,259	72.4%	9.22%	N/A
34957	Jensen Beach	$5,216	4.8%	3.39%	0.56%
32836	Orlando	$5,188	40.8%	11.69%	0.55%
34990	Palm City	$5,171	231.9%	5.93%	0.28%
32136	Flagler Beach	$5,163	12.6%	11.32%	N/A
33029	Hollywood	$5,123	128.2%	14.42%	0.13%
33703	Saint Petersburg	$5,078	13.9%	8.89%	N/A
33183	Miami	$5,050	98.3%	10.58%	0.96%
33761	Clearwater	$5,015	14.2%	4.11%	N/A
34119	Naples	$5,003	48.1%	7.61%	0.10%
33311	Fort Lauderdale	$4,985	43.2%	7.81%	0.37%
33065	Coral Springs	$4,968	70.8%	9.89%	0.35%
33618	Tampa	$4,917	52.9%	5.45%	0.30%
33922	Bokeelia	$4,878	159.6%	21.43%	1.02%
33323	Fort Lauderdale	$4,877	59.6%	5.15%	N/A
33322	Fort Lauderdale	$4,844	37.4%	6.92%	0.31%
33175	Miami	$4,841	17.7%	4.57%	N/A
33028	Pembroke Pines	$4,827	86.2%	10.48%	0.57%
34695	Safety Harbor	$4,818	35.1%	5.92%	1.32%
32080	Saint Augustine	$4,810	22.5%	6.37%	N/A
33030	Homestead	$4,767	26.2%	5.00%	N/A
33186	Miami	$4,765	69.4%	9.07%	0.28%
33710	Saint Petersburg	$4,764	9.9%	7.19%	N/A
32801	Orlando	$4,762	21.0%	10.27%	1.37%
34688	Tarpon Springs	$4,761	41.6%	9.62%	N/A
33309	Fort Lauderdale	$4,732	11.8%	2.56%	1.28%
33442	Deerfield Beach	$4,681	23.2%	3.80%	1.27%
32566	Navarre	$4,675	45.2%	8.99%	0.06%
32233	Atlantic Beach	$4,675	14.7%	5.81%	0.16%
33956	Saint James City	$4,653	195.3%	22.61%	0.87%
33634	Tampa	$4,620	17.6%	7.84%	0.65%
33908	Fort Myers	$4,575	621.1%	62.77%	0.65%
33764	Clearwater	$4,571	120.0%	7.10%	N/A
33472	Boynton Beach	$4,438	42.5%	5.96%	N/A
33187	Miami	$4,437	38.5%	6.38%	1.06%
33027	Hollywood	$4,430	113.9%	14.77%	0.34%
33411	West Palm Beach	$4,406	23.4%	3.91%	0.19%
33351	Fort Lauderdale	$4,380	37.5%	8.21%	N/A
33015	Hialeah	$4,363	92.0%	11.36%	N/A
32779	Longwood	$4,358	115.9%	20.20%	0.56%
33702	Saint Petersburg	$4,343	29.9%	6.41%	N/A
34684	Palm Harbor	$4,337	18.1%	2.00%	1.00%
34668	Port Richey	$4,335	187.5%	3.08%	3.08%
33473	Boynton Beach	$4,305	3.8%	1.87%	0.17%
32250	Jacksonville Beach	$4,298	21.2%	4.82%	0.64%
33467	Lake Worth	$4,272	18.9%	2.67%	0.31%
34112	Naples	$4,251	118.9%	14.15%	N/A
32804	Orlando	$4,239	49.4%	12.58%	0.40%
32127	Port Orange	$4,233	36.1%	17.84%	0.25%
32266	Neptune Beach	$4,228	8.6%	3.75%	0.83%
33415	West Palm Beach	$4,191	14.4%	2.29%	N/A
33901	Fort Myers	$4,187	148.9%	32.20%	1.69%
32814	Orlando	$4,180	106.3%	18.31%	N/A
33024	Hollywood	$4,154	44.4%	5.52%	N/A
33185	Miami	$4,152	15.5%	2.05%	0.34%
33063	Pompano Beach	$4,147	67.1%	10.58%	N/A
33035	Homestead	$4,145	35.0%	3.17%	N/A
33073	Pompano Beach	$4,128	39.4%	5.26%	N/A
32967	Vero Beach	$4,128	7.0%	3.95%	0.28%
33196	Miami	$4,114	83.6%	8.52%	0.33%
32751	Maitland	$4,103	83.7%	16.85%	0.94%
34685	Palm Harbor	$4,102	15.0%	3.39%	N/A
32578	Niceville	$4,067	19.7%	4.94%	N/A
33437	Boynton Beach	$4,067	41.9%	5.93%	N/A
33050	Marathon	$4,046	20.2%	1.30%	0.19%
32962	Vero Beach	$4,044	28.0%	4.00%	N/A
32506	Pensacola	$4,043	60.4%	8.22%	N/A
33592	Thonotosassa	$4,035	9.0%	4.51%	N/A
34667	Hudson	$4,003	5.4%	1.97%	0.66%
33603	Tampa	$3,957	4.9%	5.88%	0.84%
33777	Seminole	$3,945	7.7%	5.11%	N/A
33827	Babson Park	$3,934	36.0%	8.77%	N/A
32819	Orlando	$3,933	69.7%	11.27%	0.83%
33626	Tampa	$3,922	60.7%	6.36%	N/A
32934	Melbourne	$3,904	50.1%	9.19%	0.57%
32953	Merritt Island	$3,890	22.9%	6.90%	0.25%
34292	Venice	$3,875	55.0%	8.29%	0.83%
33463	Lake Worth	$3,869	23.1%	4.05%	N/A
33319	Fort Lauderdale	$3,823	31.8%	6.39%	N/A
34293	Venice	$3,807	19.8%	11.21%	0.42%
33624	Tampa	$3,783	16.5%	4.09%	0.11%
33635	Tampa	$3,762	19.2%	5.21%	0.52%
33549	Lutz	$3,742	32.0%	6.15%	0.23%
33033	Homestead	$3,739	38.7%	6.78%	0.28%
33919	Fort Myers	$3,737	287.7%	52.28%	1.02%
33321	Fort Lauderdale	$3,737	83.6%	10.51%	0.32%
34677	Oldsmar	$3,715	35.2%	4.90%	1.22%
33470	Loxahatchee	$3,714	30.6%	3.79%	N/A
32968	Vero Beach	$3,710	60.5%	7.97%	0.36%
34952	Port Saint Lucie	$3,698	35.9%	6.45%	0.29%
32505	Pensacola	$3,695	56.7%	8.52%	0.33%
32686	Reddick	$3,689	13.9%	4.46%	1.79%
32905	Palm Bay	$3,686	49.5%	10.44%	1.20%
32732	Geneva	$3,676	78.3%	14.95%	0.62%
33032	Homestead	$3,654	25.5%	4.39%	N/A
32514	Pensacola	$3,640	64.5%	8.61%	0.10%
33018	Hialeah	$3,639	20.9%	4.84%	0.35%
32034	Fernandina Beach	$3,634	24.6%	3.41%	N/A
32119	Daytona Beach	$3,629	42.0%	13.30%	N/A
32174	Ormond Beach	$3,625	28.0%	7.05%	0.09%
34747	Kissimmee	$3,623	171.6%	9.17%	0.29%
32958	Sebastian	$3,601	19.1%	5.76%	N/A
33803	Lakeland	$3,600	50.4%	12.13%	0.95%
34104	Naples	$3,580	69.2%	6.19%	0.48%
34120	Naples	$3,565	40.9%	6.00%	0.41%
33617	Tampa	$3,551	20.9%	5.12%	0.19%
32137	Palm Coast	$3,515	58.0%	10.24%	0.09%
34117	Naples	$3,501	63.7%	4.89%	N/A
34237	Sarasota	$3,489	13.4%	6.32%	3.16%
33556	Odessa	$3,487	50.7%	5.41%	0.38%
32114	Daytona Beach	$3,471	9.3%	8.50%	0.65%
34238	Sarasota	$3,470	37.7%	7.58%	0.63%
32803	Orlando	$3,444	53.8%	8.96%	0.44%
34471	Ocala	$3,433	65.2%	10.18%	0.52%
33572	Apollo Beach	$3,421	60.8%	13.04%	0.17%
34201	Bradenton	$3,417	32.6%	10.31%	N/A
32746	Lake Mary	$3,414	109.3%	14.21%	0.69%
34233	Sarasota	$3,382	48.0%	10.86%	0.57%
34241	Sarasota	$3,374	86.8%	14.58%	0.52%
32444	Lynn Haven	$3,373	419.7%	9.10%	N/A
33813	Lakeland	$3,358	72.7%	13.96%	1.15%
33904	Cape Coral	$3,356	443.8%	60.86%	0.90%
33068	Pompano Beach	$3,343	51.8%	6.63%	N/A
34135	Bonita Springs	$3,340	90.8%	10.37%	0.54%
32754	Mims	$3,317	38.7%	5.35%	1.23%
33596	Valrico	$3,316	47.8%	9.10%	0.17%
32955	Rockledge	$3,316	42.9%	7.02%	0.60%
32207	Jacksonville	$3,290	22.2%	4.45%	0.55%
34232	Sarasota	$3,277	43.1%	10.33%	1.22%
34240	Sarasota	$3,265	60.9%	8.15%	0.56%
34756	Montverde	$3,246	43.1%	8.00%	N/A
32217	Jacksonville	$3,244	46.7%	6.95%	0.71%
33898	Lake Wales	$3,243	18.4%	6.04%	0.53%
32935	Melbourne	$3,239	39.9%	7.67%	N/A
32806	Orlando	$3,239	66.1%	7.39%	0.45%
34235	Sarasota	$3,237	23.8%	9.40%	N/A
33950	Punta Gorda	$3,234	699.8%	71.32%	0.52%
33547	Lithia	$3,218	51.7%	10.67%	0.11%
33625	Tampa	$3,212	25.7%	4.61%	0.20%
33912	Fort Myers	$3,210	211.1%	25.42%	0.94%
33647	Tampa	$3,208	44.6%	6.88%	0.09%
32940	Melbourne	$3,181	31.1%	5.80%	0.10%
32084	Saint Augustine	$3,168	18.6%	4.23%	0.60%
33612	Tampa	$3,146	18.1%	3.32%	0.74%
33614	Tampa	$3,135	65.8%	6.74%	2.07%
33527	Dover	$3,126	35.9%	6.27%	N/A
34202	Bradenton	$3,121	36.4%	7.36%	0.23%
32901	Melbourne	$3,120	42.3%	7.84%	N/A
34114	Naples	$3,120	24.0%	3.49%	0.56%
33558	Lutz	$3,119	43.4%	5.78%	0.10%
34734	Gotha	$3,115	72.5%	10.38%	0.94%
33511	Brandon	$3,115	73.1%	9.67%	0.57%
32224	Jacksonville	$3,100	24.7%	4.74%	0.30%
32827	Orlando	$3,092	48.9%	7.87%	0.53%
33594	Valrico	$3,086	57.1%	9.49%	0.36%
32835	Orlando	$3,077	60.8%	9.20%	0.64%
32780	Titusville	$3,074	35.3%	5.57%	0.45%
34983	Port Saint Lucie	$3,068	30.7%	6.29%	0.16%
32132	Edgewater	$3,057	42.0%	8.33%	N/A
33948	Port Charlotte	$3,055	692.4%	69.63%	N/A
33607	Tampa	$3,048	88.8%	13.04%	N/A
34266	Arcadia	$3,047	647.0%	65.58%	N/A
32809	Orlando	$3,040	114.3%	17.39%	0.47%
33604	Tampa	$3,024	15.4%	5.03%	N/A
33782	Pinellas Park	$3,015	17.9%	2.76%	N/A
32796	Titusville	$3,009	50.9%	8.61%	0.96%
32128	Port Orange	$2,981	53.0%	12.42%	0.31%
34224	Englewood	$2,971	976.9%	78.46%	N/A
33907	Fort Myers	$2,956	273.9%	29.61%	N/A
33773	Largo	$2,954	37.7%	6.85%	1.37%
32927	Cocoa	$2,943	70.1%	9.73%	1.98%
32223	Jacksonville	$2,941	38.1%	5.31%	0.26%
33569	Riverview	$2,921	53.4%	11.17%	0.53%
32404	Panama City	$2,916	178.0%	6.20%	0.08%
34243	Sarasota	$2,894	24.4%	5.60%	0.49%
33967	Fort Myers	$2,894	163.9%	27.02%	0.35%
32003	Fleming Island	$2,894	61.2%	7.32%	0.29%
32205	Jacksonville	$2,886	23.3%	5.26%	0.98%
32204	Jacksonville	$2,884	13.3%	5.26%	N/A
34986	Port Saint Lucie	$2,877	40.4%	4.30%	0.52%
32117	Daytona Beach	$2,863	31.1%	13.37%	N/A
32344	Monticello	$2,862	10.9%	2.37%	0.34%
34974	Okeechobee	$2,859	26.5%	8.39%	1.82%
32526	Pensacola	$2,850	70.0%	7.63%	0.06%
34436	Floral City	$2,845	6.2%	1.71%	N/A
32225	Jacksonville	$2,845	39.6%	6.81%	0.46%
32141	Edgewater	$2,843	48.1%	16.11%	N/A
32667	Micanopy	$2,835	21.2%	3.61%	N/A
32766	Oviedo	$2,833	58.5%	6.54%	0.69%
32168	New Smyrna Beach	$2,832	43.1%	11.23%	0.15%
32312	Tallahassee	$2,826	27.0%	4.32%	1.70%
33853	Lake Wales	$2,813	30.8%	9.09%	0.40%
33914	Cape Coral	$2,805	1065.5%	78.18%	1.20%
32256	Jacksonville	$2,796	33.8%	5.22%	0.07%
32765	Oviedo	$2,783	64.9%	9.51%	0.45%
34953	Port Saint Lucie	$2,777	36.5%	5.43%	0.78%
33928	Estero	$2,774	92.5%	9.81%	0.23%
33510	Brandon	$2,765	39.8%	6.62%	0.57%
34951	Fort Pierce	$2,764	35.9%	2.02%	0.51%
34984	Port Saint Lucie	$2,752	47.7%	5.23%	0.63%
32607	Gainesville	$2,751	28.6%	5.72%	2.74%
32210	Jacksonville	$2,745	48.2%	7.67%	0.79%
32708	Winter Springs	$2,713	68.6%	10.52%	0.52%
32086	Saint Augustine	$2,705	39.1%	6.39%	N/A
34787	Winter Garden	$2,700	56.9%	7.44%	0.83%
32608	Gainesville	$2,698	31.6%	5.39%	2.09%
32714	Altamonte Springs	$2,684	105.9%	11.07%	0.41%
32904	Melbourne	$2,678	58.0%	6.64%	0.98%
32073	Orange Park	$2,651	62.3%	6.59%	0.38%
34221	Palmetto	$2,649	73.7%	9.87%	N/A
32812	Orlando	$2,649	70.6%	10.02%	0.37%
32771	Sanford	$2,644	81.3%	9.50%	0.46%
32583	Milton	$2,644	56.5%	6.17%	N/A
32820	Orlando	$2,639	51.2%	7.72%	0.91%
32792	Winter Park	$2,636	82.7%	11.82%	0.38%
33584	Seffner	$2,636	72.9%	8.22%	N/A
33884	Winter Haven	$2,632	95.0%	15.55%	1.31%
32536	Crestview	$2,626	39.5%	4.95%	0.09%
32701	Altamonte Springs	$2,622	72.2%	11.52%	0.92%
32712	Apopka	$2,621	85.4%	9.35%	0.61%
34212	Bradenton	$2,617	54.0%	7.67%	0.43%
34737	Howey In The Hills	$2,602	36.1%	4.09%	0.74%
34480	Ocala	$2,602	85.6%	6.82%	N/A
32750	Longwood	$2,600	156.3%	13.83%	0.71%
33559	Lutz	$2,593	28.6%	5.91%	0.27%
32130	De Leon Springs	$2,593	41.1%	8.38%	N/A
32257	Jacksonville	$2,583	44.4%	5.88%	0.14%
34208	Bradenton	$2,575	72.9%	11.19%	N/A
32776	Sorrento	$2,569	55.3%	9.54%	0.14%
32832	Orlando	$2,568	83.5%	11.30%	0.92%
34482	Ocala	$2,562	35.9%	4.76%	0.35%
33905	Fort Myers	$2,549	188.5%	23.40%	0.87%
34269	Arcadia	$2,547	882.4%	78.95%	0.88%
32129	Port Orange	$2,546	66.5%	17.56%	N/A
33913	Fort Myers	$2,544	143.6%	15.76%	0.56%
32828	Orlando	$2,540	81.9%	11.44%	0.69%
32907	Palm Bay	$2,531	49.3%	7.88%	0.42%
33830	Bartow	$2,530	115.4%	22.25%	0.94%
33812	Lakeland	$2,527	63.2%	10.03%	0.91%
32259	Saint Johns	$2,517	46.6%	5.74%	0.11%
32817	Orlando	$2,516	94.4%	12.10%	0.58%
33966	Fort Myers	$2,514	303.6%	27.07%	N/A
34461	Lecanto	$2,512	16.7%	2.63%	N/A
33523	Dade City	$2,509	35.3%	4.60%	0.77%
33990	Cape Coral	$2,494	567.0%	68.75%	0.99%
34761	Ocoee	$2,491	73.2%	8.98%	0.56%
32966	Vero Beach	$2,485	11.4%	2.78%	N/A
33534	Gibsonton	$2,471	93.0%	17.36%	N/A
32206	Jacksonville	$2,470	37.1%	6.32%	0.37%
33954	Port Charlotte	$2,466	741.6%	71.77%	1.61%
32736	Eustis	$2,465	58.5%	8.10%	0.41%
32666	Melrose	$2,460	40.0%	4.60%	0.77%
32570	Milton	$2,459	38.0%	6.06%	0.47%
33983	Punta Gorda	$2,446	795.7%	69.84%	0.79%
33903	North Fort Myers	$2,444	458.4%	56.79%	1.05%
32571	Milton	$2,443	60.3%	7.99%	0.06%
33525	Dade City	$2,435	8.3%	1.95%	0.49%
32309	Tallahassee	$2,434	20.2%	3.85%	1.07%
33982	Punta Gorda	$2,431	596.8%	43.90%	1.39%
34203	Bradenton	$2,429	37.5%	9.34%	0.76%
33578	Riverview	$2,419	59.4%	10.43%	0.21%
32333	Havana	$2,414	18.1%	1.88%	1.25%
32065	Orange Park	$2,405	77.0%	8.93%	0.10%
32833	Orlando	$2,403	107.4%	11.90%	0.65%
34639	Land O Lakes	$2,399	32.6%	4.31%	0.55%
32826	Orlando	$2,396	73.0%	10.20%	0.54%
33881	Winter Haven	$2,390	79.4%	16.80%	1.38%
34442	Hernando	$2,377	10.3%	2.67%	0.14%
33781	Pinellas Park	$2,372	12.2%	2.73%	N/A
34771	Saint Cloud	$2,369	60.5%	5.99%	0.26%
32277	Jacksonville	$2,369	52.8%	8.28%	0.90%
32308	Tallahassee	$2,366	25.6%	3.74%	1.67%
32226	Jacksonville	$2,359	69.3%	9.79%	0.55%
32839	Orlando	$2,335	88.1%	13.10%	1.16%
32606	Gainesville	$2,331	39.6%	5.03%	2.07%
32757	Mount Dora	$2,329	54.5%	6.41%	0.06%
33860	Mulberry	$2,328	81.6%	17.06%	1.88%
33619	Tampa	$2,327	44.8%	9.21%	0.66%
32909	Palm Bay	$2,323	63.5%	6.68%	0.41%
32091	Starke	$2,317	25.7%	5.43%	N/A
32805	Orlando	$2,306	116.3%	15.93%	0.84%
32046	Hilliard	$2,306	32.9%	5.26%	0.48%
32095	Saint Augustine	$2,304	37.2%	3.50%	N/A
33565	Plant City	$2,302	16.4%	1.89%	N/A
32433	Defuniak Springs	$2,298	3.2%	1.70%	N/A
32703	Apopka	$2,293	74.0%	8.43%	0.82%
32720	Deland	$2,292	39.3%	6.29%	0.24%
34219	Parrish	$2,292	88.8%	9.06%	0.33%
33993	Cape Coral	$2,290	1172.8%	83.45%	1.02%
33811	Lakeland	$2,286	76.3%	10.65%	1.19%
32837	Orlando	$2,283	110.8%	13.11%	0.46%
32081	Ponte Vedra	$2,283	23.3%	3.46%	0.29%
33859	Lake Wales	$2,282	58.7%	10.82%	0.71%
33991	Cape Coral	$2,280	848.7%	71.21%	0.44%
33880	Winter Haven	$2,278	106.1%	16.53%	1.49%
33544	Wesley Chapel	$2,270	49.3%	5.73%	0.19%
32730	Casselberry	$2,269	45.8%	8.62%	0.43%
34744	Kissimmee	$2,265	88.5%	11.09%	0.46%
33809	Lakeland	$2,263	51.3%	7.96%	1.39%
33917	North Fort Myers	$2,261	380.9%	37.65%	0.30%
34746	Kissimmee	$2,253	75.7%	8.53%	0.32%
32707	Casselberry	$2,249	88.4%	11.89%	0.32%
32092	Saint Augustine	$2,247	35.6%	4.83%	0.37%
32818	Orlando	$2,245	71.9%	10.72%	0.52%
32317	Tallahassee	$2,242	19.1%	2.61%	0.44%
32669	Newberry	$2,241	73.2%	5.65%	0.81%
34987	Port Saint Lucie	$2,239	42.2%	3.09%	0.53%
32258	Jacksonville	$2,238	54.8%	6.58%	0.36%
32825	Orlando	$2,238	94.7%	10.94%	0.44%
34711	Clermont	$2,237	64.0%	7.43%	0.44%
33823	Auburndale	$2,230	110.5%	10.85%	1.13%
34465	Beverly Hills	$2,218	58.4%	4.20%	0.15%
34654	New Port Richey	$2,217	24.5%	2.12%	N/A
34772	Saint Cloud	$2,217	92.0%	8.63%	0.28%
32829	Orlando	$2,214	102.7%	12.66%	0.55%
32246	Jacksonville	$2,210	38.7%	5.37%	0.23%
32043	Green Cove Springs	$2,210	53.2%	5.96%	0.27%
33909	Cape Coral	$2,210	742.2%	76.42%	0.15%
33875	Sebring	$2,202	115.9%	14.62%	1.54%
32784	Umatilla	$2,195	41.2%	5.32%	0.23%
33896	Davenport	$2,194	48.5%	7.77%	0.20%
34287	North Port	$2,193	786.7%	70.87%	0.69%
34610	Spring Hill	$2,190	20.3%	2.48%	0.31%
32821	Orlando	$2,188	78.8%	10.09%	0.52%
32601	Gainesville	$2,187	13.7%	3.77%	2.05%
32211	Jacksonville	$2,181	45.3%	5.74%	0.21%
32303	Tallahassee	$2,168	14.9%	3.64%	1.31%
32068	Middleburg	$2,163	30.2%	4.99%	0.15%
32653	Gainesville	$2,159	62.9%	6.97%	1.37%
34655	New Port Richey	$2,158	35.4%	4.04%	0.18%
32218	Jacksonville	$2,155	77.1%	7.68%	0.38%
32025	Lake City	$2,153	13.1%	2.70%	0.98%
32055	Lake City	$2,152	83.1%	7.07%	2.12%
33825	Avon Park	$2,146	413.1%	40.85%	0.35%
33805	Lakeland	$2,145	55.5%	8.57%	0.66%
34715	Clermont	$2,141	60.5%	4.77%	0.93%
34769	Saint Cloud	$2,141	71.6%	8.28%	0.17%
32024	Lake City	$2,137	28.2%	3.99%	1.14%
32234	Jacksonville	$2,136	39.3%	5.99%	0.92%
32216	Jacksonville	$2,135	36.5%	3.95%	0.37%
33852	Lake Placid	$2,134	141.8%	18.90%	0.38%
32810	Orlando	$2,131	101.3%	10.70%	0.42%
33868	Polk City	$2,128	31.8%	7.77%	0.80%
32605	Gainesville	$2,119	50.7%	5.44%	1.18%
33543	Wesley Chapel	$2,114	25.6%	3.66%	0.18%
32724	Deland	$2,113	58.3%	6.51%	0.36%
32208	Jacksonville	$2,107	37.6%	7.07%	0.40%
32040	Glen Saint Mary	$2,107	13.1%	5.56%	0.62%
34741	Kissimmee	$2,105	94.0%	10.30%	0.48%
33573	Sun City Center	$2,100	51.3%	8.04%	0.09%
33810	Lakeland	$2,099	55.1%	7.63%	1.62%
32615	Alachua	$2,095	37.0%	3.96%	1.41%
32177	Palatka	$2,093	38.1%	6.51%	N/A
34758	Kissimmee	$2,081	78.2%	10.69%	0.35%
34731	Fruitland Park	$2,079	50.1%	4.98%	0.38%
32164	Palm Coast	$2,074	93.9%	10.61%	0.09%
32179	Ocklawaha	$2,062	96.9%	4.36%	N/A
34479	Ocala	$2,061	43.2%	5.27%	0.88%
32824	Orlando	$2,048	108.0%	12.34%	0.97%
34714	Clermont	$2,044	81.1%	6.09%	0.55%
32773	Sanford	$2,044	68.3%	9.41%	0.73%
33870	Sebring	$2,032	256.0%	27.69%	1.21%
33897	Davenport	$2,031	78.4%	9.13%	0.26%
32244	Jacksonville	$2,025	58.9%	8.14%	0.17%
33844	Haines City	$2,017	83.1%	11.68%	0.58%
32713	Debary	$2,016	42.1%	5.53%	0.08%
32221	Jacksonville	$2,014	54.5%	6.85%	0.06%
33801	Lakeland	$2,012	69.7%	10.50%	0.70%
32097	Yulee	$2,012	30.1%	5.65%	0.22%
32219	Jacksonville	$2,006	90.4%	9.93%	0.35%
32643	High Springs	$2,002	37.1%	4.90%	0.94%
32220	Jacksonville	$1,989	52.4%	6.98%	0.17%
32738	Deltona	$1,978	108.3%	14.51%	0.56%
32726	Eustis	$1,974	36.6%	4.41%	0.44%
34211	Bradenton	$1,965	100.5%	4.57%	0.29%
32301	Tallahassee	$1,951	19.3%	3.54%	1.68%
32807	Orlando	$1,951	94.7%	10.99%	0.67%
32808	Orlando	$1,949	83.8%	11.19%	0.85%
32656	Keystone Heights	$1,949	32.2%	3.04%	0.87%
34638	Land O Lakes	$1,946	48.3%	5.96%	0.06%
32311	Tallahassee	$1,943	76.5%	3.92%	1.38%
32725	Deltona	$1,938	81.9%	11.62%	0.33%
32640	Hawthorne	$1,935	12.4%	1.19%	0.79%
32778	Tavares	$1,935	84.7%	6.88%	0.17%
32304	Tallahassee	$1,930	128.2%	4.89%	2.22%
34432	Dunnellon	$1,925	29.6%	2.31%	0.17%
32310	Tallahassee	$1,918	21.1%	4.38%	1.20%
33545	Wesley Chapel	$1,917	21.3%	4.15%	0.27%
34434	Dunnellon	$1,914	22.7%	3.29%	0.27%
32209	Jacksonville	$1,911	54.2%	7.71%	0.43%
32134	Fort Mc Coy	$1,908	135.6%	2.55%	N/A
33837	Davenport	$1,900	45.9%	8.86%	0.13%
34759	Kissimmee	$1,895	59.6%	7.40%	0.55%
34420	Belleview	$1,891	32.8%	4.62%	0.40%
34736	Groveland	$1,884	93.2%	6.73%	0.40%
34484	Oxford	$1,875	25.2%	3.64%	0.33%
34743	Kissimmee	$1,853	133.2%	12.92%	0.33%
32811	Orlando	$1,852	124.2%	17.00%	1.12%
32763	Orange City	$1,847	49.6%	8.05%	0.12%
32822	Orlando	$1,819	132.8%	15.44%	0.43%
32222	Jacksonville	$1,818	38.8%	6.20%	0.34%
33541	Zephyrhills	$1,768	44.8%	4.24%	0.28%
34601	Brooksville	$1,754	13.9%	3.00%	0.27%
34788	Leesburg	$1,734	42.8%	5.22%	0.18%
33872	Sebring	$1,725	753.7%	80.91%	0.40%
32124	Daytona Beach	$1,725	8.5%	1.62%	N/A
34476	Ocala	$1,715	65.5%	6.06%	0.29%
34491	Summerfield	$1,684	63.5%	6.07%	0.36%
32162	The Villages	$1,654	58.9%	6.46%	0.19%
34472	Ocala	$1,642	81.1%	8.56%	0.38%
32609	Gainesville	$1,634	36.9%	5.08%	0.23%
34473	Ocala	$1,629	113.2%	5.60%	0.19%
32159	Lady Lake	$1,583	44.3%	4.73%	0.34%
34481	Ocala	$1,560	55.5%	5.02%	0.48%
34609	Spring Hill	$1,558	31.5%	3.29%	0.07%
34748	Leesburg	$1,545	90.4%	4.58%	0.17%
32641	Gainesville	$1,514	303.7%	11.98%	0.60%
33576	San Antonio	$1,503	34.6%	2.86%	0.20%

Florida Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How Florida compares to other states

Related Data for Florida

Natural Disaster Risk

FEMA disaster & NOAA storm data for Florida

Wildfire Risk Data

USDA wildfire risk assessments for Florida

Rental Market Data

HUD fair market rents in Florida

Cost of Living

BEA regional price parities across metros

Property Taxes

County property tax rates in Florida

Climate Data

NOAA climate normals for Florida

Frequently Asked Questions

What is the average homeowners insurance cost in Florida? ▼

The average homeowners insurance premium in Florida is $4,870 per year, based on U.S. Treasury FIO data covering 559 ZIP codes. This is 174% above the national average of $1,776.

How have insurance premiums changed in Florida? ▼

Florida homeowners insurance premiums changed by -3.1% between 2018 and 2022. The average loss ratio is 76.9%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in Florida? ▼

The most expensive ZIP code for homeowners insurance in Florida is 33480, with an average premium of $40,719/yr. The most affordable is 33576 at $1,503/yr.

What is the nonrenewal rate for Florida homeowners insurance? ▼

The average nonrenewal rate in Florida is 0.62%. This rate has changed by -32.6% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 34237 has the highest nonrenewal rate in the state at 3.16%.

What is a loss ratio and what does Florida's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Florida's average loss ratio is 76.9%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in Florida? ▼

The average claim frequency in Florida is 10.16%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $25,995. Higher claim frequency and severity typically correlate with higher premiums.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

Browse all → | Rankings →

Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainInsure Editorial

Reviewed byPlaininsure Editorial, Homeowners Insurance Transparency Editorial Team · June 4, 2026

Verify with HUD → · Verify with NOAA → · Verify with FEMA →