Average Cost of Homeowners Insurance in Florida (2025)
If you’re asking yourself, “how much is home insurance in Florida?”, you’re not alone. Florida homeowners face some of the highest insurance premiums in the country. In 2025, the average cost of homeowners insurance in Florida is around $5,500 per year — nearly three times the national average.
Let’s explore why costs are so high, how much you might pay depending on your city or home value, and what options Florida homeowners have.
Average Homeowners Insurance Cost in Florida (2025)
On average, homeowners insurance in Florida costs about $458 per month or $5,500 annually. Rates vary depending on location, the value of your property, and risk factors such as hurricanes and flooding.
| Location | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Statewide Average | $5,500 | $458 |
| U.S. National Average | $1,820 | $152 |
Home Insurance Costs by City in Florida
Insurance rates vary widely across Florida cities. For example, inland areas often have lower premiums compared to coastal regions.
| City | Avg. Annual Premium | Notes |
|---|---|---|
| Orlando | $3,800 | Lower hurricane risk |
| Tampa | $4,200 | Coastal exposure |
| Jacksonville | $3,900 | Moderate risk |
| Cape Coral | $5,600 | High hurricane risk |
| Boca Raton | $6,000 | Coastal & flood risk |
| Pensacola | $4,800 | Gulf Coast exposure |
| The Villages | $3,700 | Inland, retirees |
Cost by Home Value
The higher the value of your home, the more expensive the insurance. Here’s what Florida home insurance costs by home value:
| Home Value | Avg. Annual Premium |
|---|---|
| $400,000 Home | $4,500 – $5,000 |
| $500,000 Home | $5,500 – $6,000 |
| $1 Million Home | $10,000 – $12,000 |
| $2 Million Home | $18,000+ |
Mobile Home Insurance in Florida
Many Floridians live in mobile or manufactured homes, which often require special policies. Mobile home insurance in Florida typically costs $1,500–$2,000 annually, depending on location and coverage limits.
Why Is Home Insurance So Expensive in Florida?
Florida’s high premiums are driven by several factors:
- Hurricane and storm risk – frequent severe weather events.
- Flood exposure – many areas are in FEMA flood zones.
- Reinsurance costs – insurers pay more to cover risk.
- Litigation – Florida has higher claim-related lawsuits than other states.
According to FEMA.gov, Florida is one of the most disaster-prone states in the U.S., which directly impacts insurance pricing.
FAQs – Florida Home Insurance
How much is homeowners insurance in Florida per month?
The average monthly cost is about $458.
How much is homeowners insurance on a $400,000 house in Florida?
Around $4,500–$5,000 annually.
Can you get homeowners insurance in Florida?
Yes, but many private insurers have left the state. Citizens Property Insurance remains an option of last resort.
Do you have to have homeowners insurance in Florida?
Homeowners insurance is not legally required, but mortgage lenders typically make it mandatory.
How much is homeowners insurance on a million-dollar home in Florida?
Expect to pay $10,000–$12,000 per year.
Final Thoughts
So, how much is home insurance in Florida in 2025? On average, about $5,500 annually — but your actual premium depends on where you live, your home’s value, and risk exposure.
If you’re a Florida homeowner, comparing quotes and exploring options is the best way to find savings. ProLines Insurance Agency helps connect you with the right coverage at the right price.
Prepared by ProLines Insurance Agency to help Florida residents better understand their homeowners insurance costs in 2025.
