This page states the published averages, the sources they come from, and what they do and do not describe. It does not state what any homeowner will pay. No per-carrier price is published here, because no free public source publishes per-carrier homeowners premiums, and no "cheapest insurer in Florida" claim is made anywhere on this page.
What is the published average (NAIC)?
| Figure | Florida | United States |
|---|---|---|
| Average HO-3 premium, 2023 | $2,779 per year | $1,737 per year |
| Difference from the countrywide average | +60.0% | - |
| Rank, HO-3 average (of 51 jurisdictions) | 3rd highest | - |
| Average HO-4 (renters) premium, 2023 | - | $173 per year |
| Average dwelling-fire premium, 2023 | - | $1,019 per year |
Source: NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023, July 2026, Table 4 Total row per state, HO-3 standard owner-occupied form, 51 jurisdictions. Retrieved 2026-11-06. Current as of November 2026.
Why is there no statewide figure here?
The Florida Office of Insurance Regulation publishes average premiums by county in its Property Insurance Stability Report (1 July 2026, Market Intelligence Report data as of 31 March 2026). Its method: total premium in force divided by policies in force, for owner-occupied homeowners policies in the admitted market. The average homeowners premium for traditional policies including wind fell in 51 of 67 counties from the January 2026 report.
No statewide row is shown, because the report does not print one. Statewide averages sometimes quoted elsewhere ($3,757 with wind / $2,586 without) do not appear anywhere in the OIR report PDF, so they are not published here. A simple mean of the 67 county averages would be unweighted and wrong, and has not been computed.
The county spread is wide. Highest and lowest counties for traditional homeowners policies including wind:
| Highest counties (with wind) | Average per year | Lowest counties (with wind) | Average per year |
|---|---|---|---|
| Monroe | $7,863 | Sumter | $2,105 |
| Palm Beach | $6,323 | Marion | $2,191 |
| Broward | $6,136 | Wakulla | $2,292 |
| Miami-Dade | $5,975 | Baker | $2,346 |
| Martin | $5,899 | Hernando | $2,360 |
The highest county average, Monroe at $7,863, is more than three and a half times the lowest, Sumter at $2,105. The full 67-county table is published on the magnet page: /compare/average-insurance-costs-by-state/. The OIR report also publishes condo unit-owner averages; only homeowners figures are shown here.
Source: Florida Office of Insurance Regulation, Property Insurance Stability Report, 1 July 2026, county table pp. 19-21, Market Intelligence Report data as of 31 March 2026. https://floir.gov/docs-sf/default-source/property-and-casualty/stability-unit-reports/july-2026-isu-report.pdf, retrieved 2026-11-06. Current as of November 2026.
What is an HO-3 average?
HO-3 is the standard owner-occupied homeowners form, the policy most owner-occupied houses carry. The NAIC's Table 4 Total row gives the average premium actually paid for that form in each state. It is an average across all HO-3 policies in the state: different houses, different coverage amounts, different deductibles, different locations, all mixed together.
Two nearby figures are shown separately and never averaged in with the HO-3 number. The countrywide HO-4 (renters) average is $173 per year, a different policy for a different situation, and not comparable to an owner-occupied premium. The countrywide dwelling-fire average is $1,019 per year. Dwelling-fire cover is not directly comparable to homeowners cover, so it is shown on its own and never blended into the HO-3 figure.
The NAIC data year is 2023, published in July 2026. The OIR county figures are data as of 31 March 2026, published 1 July 2026. The two sources measure different things at different dates: a state average for 2023, and county averages for early 2026. They are shown side by side, never merged.
Why is the average the third highest in the country, and what that does not mean?
Florida ranks 3rd of 51 jurisdictions on the NAIC HO-3 measure, 60.0% above the countrywide figure, and its county table shows the widest spread of any state in this series, from $2,105 to $7,863 with wind. The published data does not say why the state average is where it is, and this page does not offer an explanation the data does not support. What the county table does show, plainly, is that a Florida average is a poor description of any one county: the Monroe average is nearly four times the Sumter average, and both are in the same state, in the same report, on the same method.
What the average does not tell you is larger than what it does. It does not tell you what a house in any one part of Florida costs to insure. Location within the state matters more here than almost anywhere, and the state average hides that spread entirely. It does not tell you what your house costs to insure, the coverage amount, the deductible, the construction and age of the house, and the household's history all change the price, and the exact factors a carrier may use are set by the carrier and the state regulator. And it does not tell you what any one carrier charges: two carriers can price the same house very differently, and the published averages show none of that.
What is not published here?
- No per-carrier prices. No free public source publishes what any one carrier charges for homeowners insurance in Florida. Any page that prints a per-carrier Florida price without a named source and a date is guessing.
- No "cheapest insurer in Florida". A cheapest-insurer claim needs per-carrier prices for a stated house and cover level. We do not hold them, so we do not make the claim.
- No quote. This page is a published average with its source beside it. A real price comes only from a carrier or a licensed agent, for a stated house and cover level.
- No rating or review score. We do not score carriers. A public-data ratings page, built from the NAIC complaint index and AM Best financial-strength ratings with its method printed on the page, is planned separately. Nothing is rated here.
- No statewide OIR average. The OIR report does not print one, so this page does not print one. The $3,757 / $2,586 statewide figures quoted elsewhere do not appear in the report PDF and are not used.
How do I use this page?
- Compare the published average with a quote you have received, remembering that the average mixes all houses, all coverage amounts and all locations in the state. In Florida, check your county's figure in the table above before the state average. The county spread is the more useful number.
- See the full 67-county table on the magnet page: /compare/average-insurance-costs-by-state/.
- Use the comparison tool to work through cover levels and see published averages beside quote-only carrier entries: /compare/home/.
- Read the state guide for how Florida's auto rules work, the no-fault system shapes the whole Florida insurance picture: /auto/florida-auto-insurance/.
- Read how every figure on this site is sourced before it is published: /compare/methodology/.