Homeowners insurance in Florida: premium by ZIP code
Florida's median ZIP code paid $3,211 per policy in 2022, the highest of any state, and ZIP 33480 paid $40,719.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, Florida (median ZIP code)
$3,211
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $4,277.
| Change from 2018 to 2022, after inflation | -16.5% |
| Premium per policy in 2018 | $3,845 |
| Premium per policy in 2022 | $3,211 |
| 2022 premium carried to September 2026 (BLS index) | $4,277 |
| Policies not renewed by the insurer, 2022 | 0.36% |
| Claims paid per 100 policies, yearly average | 7.2 |
| Average claim paid, 2018 to 2022 (adjusted) | $20,737 |
| Cancelled for nonpayment, 2022 | 1.05% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 560 ZIP codes in 47 counties of Florida in the Treasury file · not a quote
Florida has the highest homeowners premiums in the Treasury file: its median ZIP code paid $3,211 per policy in 2022, about twice the national $1,551. The dearest tenth of its ZIP codes paid over $10,024, led by 33480 in Palm Beach County at $40,719. Yet the median fell -12.5% after inflation from 2018 to 2022, the largest drop of any state. That is not a sign of cheaper insurance. Private insurers failed or withdrew in those years, and Citizens Property Insurance Corporation took on the homes they left, often the dearest coastal ones; Citizens is outside the file. What remains is the private market. In 2022, the year of Hurricane Ian, insurers paid out 42% of premium in claims in the median ZIP code. Florida law sets hurricane deductible options, a once-a-year rule, notice periods and a 20% line for Citizens eligibility. The data stop in 2022.
Southeast Florida against the rest
Broward County's 47 ZIP codes had a median premium of $6,148 in 2022; Palm Beach County's 40 had $8,444, the highest of the large counties, and one of few that rose after inflation, +3.6%. Inland and on the Gulf side, the figures are lower and fell: Orange County, around Orlando, paid $2,554 after a change of -15.3%, and Hillsborough County, around Tampa, $3,212 after -14.9%. The cheapest ZIP codes in the file were 33576 in Pasco County at $1,503 and 32641 in Alachua County at $1,514. ZIP 33140, in Miami-Dade County, paid $34,055.
A shrinking private market
The Treasury figures describe the homes private insurers kept. Several Florida insurers became insolvent between 2020 and 2022, others stopped writing new policies, and Citizens grew. Its policies, which are not in the data, are concentrated where private insurers retreated. So the fall of the median from $3,845 to $3,211 does not mean the same house got cheaper. Oddly, the file's nonrenewal rate for Florida is low, 0.36% in 2022, ranked 49 of 51: an insurer that leaves the state or goes into receivership ends policies in other ways than an ordinary nonrenewal.
The rules Florida writes into the policy
Insurers must offer hurricane deductibles of $500, 2, 5 and 10 percent of the dwelling limit, and the hurricane deductible applies once per calendar year to all hurricanes with the same insurer (Fla. Stat. 627.701). A renewal premium must be notified 45 days ahead, a nonrenewal 120 days ahead, and a cancellation for nonpayment 10 days ahead (Fla. Stat. 627.4133). The hurricane deductible calculator applies the once-a-year rule.
Must you leave Citizens for a private offer?
Example, not your result yet· change a figure to see yours
Can a primary residence stay with or join Citizens?
No, on price
| Private offer that keeps eligibility, above | $4,560 |
| Difference with the offer entered | -$160 |
Citizens and the 20 percent line
The Citizens Property Insurance Corporation writes multi-peril and wind-only policies statewide and in its coastal account. The law keeps it a last resort: a primary residence offered comparable coverage by an authorized insurer at a premium no more than 20% above the Citizens premium is not eligible (Fla. Stat. 627.351(6)). The Florida Office of Insurance Regulation regulates rates and handles complaints. The FAIR plan page compares Citizens with the plans of other states.
Florida, year by year
| Year | Florida median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $3,845 | $1,445 | 0.00% | 8.7 | 35% |
| 2019 | $4,013 | $1,469 | 0.17% | 6.8 | 26% |
| 2020 | $3,448 | $1,491 | 0.32% | 6.2 | 31% |
| 2021 | $3,249 | $1,521 | 0.38% | 5.4 | 30% |
| 2022 | $3,211 | $1,551 | 0.36% | 6.9 | 42% |
The Florida counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| Broward County | 47 | $6,181 | $6,148 | -1.6% | 0.26% | $31,768 |
| Palm Beach County | 40 | $8,029 | $8,444 | +3.6% | 0.27% | $36,977 |
| Orange County | 38 | $3,056 | $2,554 | -15.3% | 0.62% | $19,872 |
| Hillsborough County | 37 | $3,869 | $3,212 | -14.9% | 0.19% | $20,253 |
| Miami-Dade County | 33 | $6,773 | $7,089 | +2.8% | 0.33% | $40,596 |
| Duval County | 29 | $2,651 | $2,369 | -10.8% | 0.37% | $16,685 |
| Lee County | 24 | $3,953 | $2,925 | -24.2% | 0.64% | $25,767 |
| Polk County | 23 | $3,464 | $2,282 | -30.6% | 0.91% | $16,497 |
Highest and lowest premiums per policy, Florida ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 33480 | Palm Beach County | $40,719 | +22.2% | 0.24% |
| 33140 | Miami-Dade County | $34,055 | +40.6% | 0.21% |
| 33316 | Broward County | $24,366 | +32.1% | 0.75% |
| 34102 | Collier County | $23,927 | +19.4% | 0.14% |
| 33141 | Miami-Dade County | $23,306 | +29.4% | 0.49% |
| 33576 | Pasco County | $1,503 | -43.3% | 0.20% |
| 32641 | Alachua County | $1,514 | -3.7% | 0.60% |
| 34748 | Lake County | $1,545 | -36.5% | 0.17% |
| 34609 | Hernando County | $1,558 | -29.6% | 0.07% |
| 34481 | Marion County | $1,560 | -11.2% | 0.48% |