| Average Property Insurance Premiums by Florida County (including wind coverage), March 2024-March 2025 | ||||||||||||
| (Cells labeled “N/A” indicate no policies in force.) | ||||||||||||
| March 2024 | September 2024 | March 2025 | ||||||||||
| Homeowners | Condo Unit Owners | Homeowners | Homeowners 6-month change | Condo Unit Owners | Condo 6-month change | Homeowners | Homeowners 6-month change | Condo Unit Owners | Condo 6-month change | Homeowners 12-month change | Condo 12-month change | |
| County | ||||||||||||
| Alachua | $2,357 | $1,017 | $2,451 | 3.99% | $1,053 | 3.54% | $2,473 | 1% | $981 | -6.84% | 4.92% | -3.54% |
| Baker | $2,203 | N/A | $2,313 | 4.99% | N/A | N/A | $2,331 | 1% | N/A | N/A | 5.81% | N/A |
| Bay | $3,243 | $1,406 | $3,401 | 4.87% | $1,468 | 4.41% | $3,390 | 0% | $1,403 | -4.43% | 4.53% | -0.21% |
| Bradford | $2,522 | $942 | $2,674 | 6.03% | $919 | -2.44% | $2,683 | 0% | $957 | 4.13% | 6.38% | 1.59% |
| Brevard | $3,321 | $1,432 | $3,471 | 4.52% | $1,464 | 2.23% | $3,466 | 0% | $1,429 | -2.39% | 4.37% | -0.21% |
| Broward | $6,058 | $1,960 | $6,290 | 3.83% | $2,015 | 2.81% | $6,165 | -2% | $1,839 | -8.73% | 1.77% | -6.17% |
| Calhoun | $3,005 | $2,089 | $3,164 | 5.29% | $2,089 | 0.00% | $3,130 | -1% | N/A | N/A | 4.16% | N/A |
| Charlotte | $3,062 | $1,350 | $3,212 | 4.90% | $1,377 | 2.00% | $3,202 | 0% | $1,388 | 0.80% | 4.57% | 2.81% |
| Citrus | $2,372 | $1,115 | $2,441 | 2.91% | $1,126 | 0.99% | $2,435 | 0% | $1,128 | 0.18% | 2.66% | 1.17% |
| Clay | $2,361 | $921 | $2,492 | 5.55% | $956 | 3.80% | $2,503 | 0% | $951 | -0.52% | 6.01% | 3.26% |
| Collier | $5,315 | $2,211 | $5,604 | 5.44% | $2,284 | 3.30% | $5,524 | -1% | $2,248 | -1.58% | 3.93% | 1.67% |
| Columbia | $2,440 | $1,026 | $2,533 | 3.81% | $923 | -10.04% | $2,543 | 0% | $932 | 0.98% | 4.22% | -9.16% |
| Desoto | $3,243 | $1,037 | $6,168 | 90.19% | $1,060 | 2.22% | $3,410 | -45% | $1,092 | 3.02% | 5.15% | 5.30% |
| Dixie | $2,825 | $1,094 | $3,391 | 20.04% | $1,167 | 6.67% | $2,834 | -16% | $1,160 | -0.60% | 0.32% | 6.03% |
| Duval | $2,582 | $1,044 | $2,924 | 13.25% | $1,065 | 2.01% | $2,744 | -6% | $1,061 | -0.38% | 6.27% | 1.63% |
| Escambia | $3,508 | $1,774 | $2,728 | -22.23% | $1,867 | 5.24% | $3,623 | 33% | $1,790 | -4.12% | 3.28% | 0.90% |
| Flagler | $2,458 | $1,325 | $3,685 | 49.92% | $1,341 | 1.21% | $2,518 | -32% | $1,324 | -1.27% | 2.44% | -0.08% |
| Franklin | $5,103 | $1,573 | $2,528 | -50.46% | $1,683 | 6.99% | $5,055 | 100% | $1,576 | -6.36% | -0.94% | 0.19% |
| Gadsden | $2,574 | $1,414 | $5,464 | 112.28% | $1,360 | -3.82% | $2,693 | -51% | N/A | N/A | 4.62% | N/A |
| Gilchrist | $2,398 | $1,884 | $2,686 | 12.01% | $1,418 | -24.73% | $2,492 | -7% | $800 | -43.58% | 3.92% | -57.54% |
| Glades | $3,278 | $1,095 | $2,482 | -24.28% | $1,073 | -2.01% | $3,369 | 36% | $1,058 | -1.40% | 2.78% | -3.38% |
| Gulf | $3,736 | $1,573 | $3,446 | -7.76% | $1,679 | 6.74% | $3,682 | 7% | $1,698 | 1.13% | -1.45% | 7.95% |
| Hamilton | $2,679 | N/A | $3,949 | 47.41% | N/A | N/A | $2,718 | -31% | N/A | N/A | 1.46% | N/A |
| Hardee | $3,248 | $1,037 | $2,737 | -15.73% | N/A | N/A | $3,390 | 24% | N/A | N/A | 4.37% | N/A |
| Hendry | $2,999 | $1,413 | $3,397 | 13.27% | $1,459 | 3.26% | $3,026 | -11% | $1,340 | -8.16% | 0.90% | -5.17% |
| Hernando | $2,246 | $1,083 | $3,107 | 38.33% | $1,098 | 1.39% | $2,304 | -26% | $1,092 | -0.55% | 2.58% | 0.83% |
| Highlands | $2,533 | $1,063 | $2,330 | -8.01% | $1,092 | 2.73% | $2,673 | 15% | $1,070 | -2.01% | 5.53% | 0.66% |
| Hillsborough | $3,203 | $1,305 | $2,653 | -17.17% | $1,330 | 1.92% | $3,434 | 29% | $1,341 | 0.83% | 7.21% | 2.76% |
| Holmes | $2,831 | N/A | $3,376 | 19.25% | N/A | N/A | $2,929 | -13% | $7,565 | N/A | 3.46% | N/A |
| Indian River | $4,272 | $2,013 | $2,931 | -31.39% | $2,097 | 4.17% | $4,422 | 51% | $2,015 | -3.91% | 3.51% | 0.10% |
| Jackson | $2,681 | N/A | $4,523 | 68.71% | N/A | N/A | $2,802 | -38% | N/A | N/A | 4.51% | N/A |
| Jefferson | $2,607 | N/A | $2,807 | 7.67% | N/A | N/A | $2,743 | -2% | N/A | N/A | 5.22% | N/A |
| Lafayette | $3,083 | N/A | $2,727 | -11.55% | N/A | N/A | $2,992 | 10% | N/A | N/A | -2.95% | N/A |
| Lake | $2,345 | $1,069 | $3,104 | 32.37% | $1,103 | 3.18% | $2,573 | -17% | $1,113 | 0.91% | 9.72% | 4.12% |
| Lee | $3,514 | $1,437 | $2,519 | -28.32% | $1,489 | 3.62% | $3,631 | 44% | $1,477 | -0.81% | 3.33% | 2.78% |
| Leon | $2,361 | $848 | $3,696 | 56.54% | $873 | 2.95% | $2,500 | -32% | $863 | -1.15% | 5.89% | 1.77% |
| Levy | $2,700 | $1,601 | $2,472 | -8.44% | $1,659 | 3.62% | $2,724 | 10% | $1,432 | -13.68% | 0.89% | -10.56% |
| Liberty | $2,823 | N/A | $2,767 | -1.98% | N/A | N/A | $2,914 | 5% | N/A | N/A | 3.22% | N/A |
| Madison | $2,722 | N/A | $2,931 | 7.68% | N/A | N/A | $2,773 | -5% | N/A | N/A | 1.87% | N/A |
| Manatee | $2,998 | $1,362 | $2,809 | -6.30% | $1,386 | 1.76% | $3,145 | 12% | $1,369 | -1.23% | 4.90% | 0.51% |
| Marion | $2,136 | $1,055 | $3,121 | 46.11% | $1,084 | 2.75% | $2,211 | -29% | $1,079 | -0.46% | 3.51% | 2.27% |
| Martin | $5,831 | $1,756 | $2,213 | -62.05% | $1,805 | 2.79% | $5,954 | 169% | $1,774 | -1.72% | 2.11% | 1.03% |
| Miami-Dade | $6,021 | $2,987 | $6,045 | 0.40% | N/A | N/A | $5,960 | -1% | $2,779 | N/A | -1.01% | -6.96% |
| Monroe | $8,487 | $4,300 | $9,058 | 6.73% | $4,758 | 10.65% | $7,621 | -16% | $3,202 | -32.70% | -10.20% | -25.53% |
| Nassau | $2,809 | $1,797 | $2,968 | 5.66% | $1,861 | 3.56% | $2,991 | 1% | $1,839 | -1.18% | 6.48% | 2.34% |
| Okaloosa | $3,608 | $1,695 | $3,803 | 5.40% | $1,782 | 5.13% | $3,794 | 0% | $1,722 | -3.37% | 5.16% | 1.59% |
| Okeechobee | $3,508 | $1,462 | $3,693 | 5.27% | $1,452 | -0.68% | $3,683 | 0% | $1,414 | -2.62% | 4.99% | -3.28% |
| Orange | $3,196 | $1,207 | $3,427 | 7.23% | $1,256 | 4.06% | $3,495 | 2% | $1,264 | 0.64% | 9.36% | 4.72% |
| Osceola | $2,594 | $1,189 | $2,796 | 7.79% | $1,249 | 5.05% | $2,826 | 1% | $1,254 | 0.40% | 8.94% | 5.47% |
| Palm Beach | $6,379 | $2,412 | $6,614 | 3.68% | $2,503 | 3.77% | $6,351 | -4% | $2,326 | -7.07% | -0.44% | -3.57% |
| Pasco | $2,594 | $983 | $2,691 | 3.74% | $998 | 1.53% | $2,701 | 0% | $981 | -1.70% | 4.12% | -0.20% |
| Pinellas | $3,687 | $1,357 | $3,882 | 5.29% | $1,390 | 2.43% | $3,902 | 1% | $1,372 | -1.29% | 5.83% | 1.11% |
| Polk | $2,588 | $1,110 | $2,697 | 4.21% | $1,148 | 3.42% | $2,730 | 1% | $1,150 | 0.17% | 5.49% | 3.60% |
| Putnam | $2,455 | $990 | $2,611 | 6.35% | $991 | 0.10% | $2,622 | 0% | $1,005 | 1.41% | 6.80% | 1.52% |
| Santa Rosa | $3,307 | $1,798 | $3,499 | 5.81% | $1,892 | 5.23% | $3,470 | -1% | $1,840 | -2.75% | 4.93% | 2.34% |
| Sarasota | $3,442 | $1,783 | $3,590 | 4.30% | $1,830 | 2.64% | $3,453 | -4% | $1,751 | -4.32% | 0.32% | -1.79% |
| Seminole | $3,118 | $1,147 | $3,373 | 8.18% | $1,188 | 3.57% | $3,434 | 2% | $1,194 | 0.51% | 10.13% | 4.10% |
| St. Johns | $2,738 | $1,330 | $2,850 | 4.09% | $1,372 | 3.16% | $2,839 | 0% | $1,362 | -0.73% | 3.69% | 2.41% |
| St. Lucie | $3,327 | $1,538 | $3,469 | 4.27% | $1,570 | 2.08% | $3,468 | 0% | $1,542 | -1.78% | 4.24% | 0.26% |
| Sumter | $1,965 | $1,054 | $2,064 | 5.04% | $1,082 | 2.66% | $2,084 | 1% | $1,070 | -1.11% | 6.06% | 1.52% |
| Suwannee | $2,754 | $621 | $2,831 | 2.80% | $623 | 0.32% | $2,810 | -1% | $623 | 0.00% | 2.03% | 0.32% |
| Taylor | $2,621 | $1,128 | $2,748 | 4.85% | $1,154 | 2.30% | $2,730 | -1% | $1,191 | 3.21% | 4.16% | 5.59% |
| Union | $2,592 | N/A | $2,656 | 2.47% | N/A | N/A | $2,636 | -1% | N/A | N/A | 1.70% | N/A |
| Volusia | $2,693 | $1,182 | $2,815 | 4.53% | $1,210 | 2.37% | $2,775 | -1% | $1,161 | -4.05% | 3.04% | -1.78% |
| Wakulla | $2,288 | $1,191 | $2,360 | 3.15% | $1,248 | 4.79% | $2,317 | -2% | $1,109 | -11.14% | 1.27% | -6.88% |
| Walton | $5,035 | $1,934 | $5,376 | 6.77% | $2,054 | 6.20% | $5,326 | -1% | $2,003 | -2.48% | 5.78% | 3.57% |
| Washington | $2,911 | N/A | $2,998 | 2.99% | N/A | N/A | $2,969 | -1% | N/A | N/A | 1.99% | N/A |
| Statewide Avg. | $3,231.24 | $3,382.55 | $3,330 | 3.67% | ||||||||
| Premium Decreases | 14 | 6 | 31 | 38 | 6 | 18 | ||||||
| Source: Data from Florida Office of Insurance Regulation's Property Insurance Stability Reports of July 2024, January 2025, and July 2025, "Average Premiums" charts at | ||||||||||||
| https://floir.com/resources-and-reports/industry-reports | ||||||||||||