Florida Home Insurance Cost by County: What OIR's 2026 Data Shows

"How much is home insurance in my county?" is one of the most common questions Florida homeowners ask. The best public answer comes from the state itself. Twice a year, the Florida Office of Insurance Regulation (OIR) publishes average homeowners and condo premiums for all 67 counties in its Property Insurance Stability Report. Here's what the latest numbers say and how to use them.

Where the numbers come from

OIR's July 1, 2026 report uses Market Intelligence Report (MIR) data as of March 31, 2026. OIR divides total premium by policies in force in each county, separately for policies that include wind coverage and those that exclude it. OIR notes that "actual charged premium will vary based upon company, insured value, deductibles, and policy terms," so a county average is a benchmark, not a quote.

The same MIR filings feed our own tracker. In the August 2026 statewide MIR summary we pull, companies reported 4,200,776 owner-occupied homeowners policies in force as of August 31, 2026. OIR notes that MIR data is reported by companies and isn't audited.

The range across Florida

For a traditional homeowners policy including wind coverage, the July report shows:

• Highest: Monroe County (the Keys) at $7,863
• Lowest: Sumter County at $2,105
• Southeast Florida: Palm Beach $6,323, Broward $6,136, Miami-Dade $5,975

OIR says the average homeowners premium with wind coverage decreased in 51 counties compared with its January report. WPTV reported that Palm Beach County's average went from $6,412 to $6,323, a 1.4% drop.

The "excluding wind" column tells a different story. Monroe's ex-wind average is just $1,871. That gap is a reminder that wind is often the biggest piece of a coastal premium.

Tampa Bay counties

Here are the July 2026 OIR averages for homeowners policies with wind coverage, plus HO-6 condo averages with wind, for the Tampa Bay area:

• Pinellas: $4,063 homeowners / $1,399 condo
• Hillsborough: $3,525 / $1,353
• Manatee: $3,181 / $1,368
• Sarasota: $3,457 / $1,759
• Pasco: $2,756 / $994
• Polk: $2,767 / $1,149
• Hernando: $2,360 / $1,063

Not every county went down. According to the prior-report figures compiled by Covered Insurance from OIR's January report, Pinellas ($4,044 to $4,063), Hillsborough ($3,514 to $3,525) and Hernando ($2,342 to $2,360) ticked up slightly, while Pasco, Manatee, Sarasota and Polk edged down. These are small moves either way.

Why your bill may look nothing like the average

A county average blends every insured home: new block homes with new roofs, older frame homes, waterfront properties and inland ones. Your premium depends on your insurer, your home's rebuild cost, your roof, your wind mitigation features and your deductibles. Our posts on roof age, hurricane deductibles and My Safe Florida Home grants and wind mitigation discounts cover the biggest drivers.

Also keep in mind that these averages were measured as of March 31, before the latest wave of filings. OIR said on October 29 that more than 824,300 Florida homeowners are getting rate decreases on new policies or renewals in October, with pending decreases for about 450,000 more Floridians taking effect in November, December and January. Our rate changes tracker lists the approvals we've logged.

Flood is a separate policy and isn't in any of these numbers.

When the next numbers come out

Under section 627.7154, Florida Statutes, OIR must deliver this report every January 1 and July 1. That means the next county averages are due January 1, 2027, and should be the first to reflect more of the fall 2026 rate cuts. We'll cover it when it lands.

What to check

• Find your county in the OIR report (pages 19–21) and compare it with your own renewal, keeping in mind it's an average.
• Compare like with like. If your policy excludes wind, use the "Ex Wind" column. Condo owners should use the condo unit owner columns.
• Check whether your insurer filed a decrease. Look it up on our rate changes tracker or insurer directory.
• Ask about credits. If your premium is far above your county's average, ask your agent which factors drive it, such as roof age, mitigation features or coverage limits.
• Shop with the full picture. Our who's writing new policies page shows which companies are actively adding business.

This post is general information, not legal, financial or insurance advice. Confirm your coverage and pricing with your agent, your insurer or the Florida Office of Insurance Regulation.

Follow rate filings on our rate changes tracker. Want a short weekly email when new rate cuts, takeouts or market data land? Sign up for FL Insurance Watch alerts.

Not insurance, legal or financial advice. Confirm details with your insurer, a licensed agent or the Florida Office of Insurance Regulation.