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.
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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