Skip to main content

Florida Home Insurance Estimator โ€” Updated 2026

State abbreviation: FL

Homeowners insurance in Florida averages $2,160/year, depending on home value, location (wildfire/flood zones), age, and coverage limits. For a home valued at $425,000, you should budget 0.51% of its value annually for insurance. Insurance costs here are near or below the national average.

Florida Financial Data (2026)

State Tax Rate
None
Property Tax Rate
0.83%
Median Home Price
$425,000
Avg Insurance Cost
$2,160/year
Cost of Living Index
104
State Abbreviation
FL