What do Florida homeowners pay for flood insurance?
These are averages of what NFIP policyholders paid, not quotes. The table lists every Florida county with at least 50 NFIP policies, largest first. In the 43 counties with an average, it runs from $483 a year in Highlands County to $2,070 in Franklin County.
| County | NFIP policies | Average premium paid | Share in high-risk zones | Unincorporated county CRS discount |
|---|---|---|---|---|
| Miami-Dade County | 335,233 | Not shown* | 89% | Class 3, 35% |
| Broward County | 216,372 | Not shown* | 78% | Class 6, 20% |
| Lee County | 125,800 | Not shown* | 85% | Class 5, 25% |
| Pinellas County | 125,092 | Not shown* | 81% | Class 2, 40% |
| Palm Beach County | 122,587 | Not shown* | 42% | Class 5, 25% |
| Collier County | 94,632 | Not shown* | 79% | Class 5, 25% |
| Hillsborough County | 60,792 | $1,350 | 66% | Class 4, 30% |
| Sarasota County | 57,605 | Not shown* | 58% | Class 5, 25% |
| Volusia County | 45,268 | Not shown* | 36% | Class 5, 25% |
| Brevard County | 40,722 | Not shown* | 34% | Class 8, 10% |
| Charlotte County | 38,205 | $1,731 | 89% | Class 5, 25% |
| Manatee County | 35,559 | Not shown* | 64% | Class 5, 25% |
| St. Johns County | 30,564 | Not shown* | 41% | Class 5, 25% |
| Bay County | 30,262 | Not shown* | 58% | Class 5, 25% |
| Monroe County | 29,474 | Not shown* | 94% | Class 3, 35% |
| Duval County | 26,837 | Not shown* | 35% | Class 6, 20% |
| Pasco County | 22,791 | $1,202 | 69% | Class 5, 25% |
| Indian River County | 18,356 | Not shown* | 38% | Class 5, 25% |
| St. Lucie County | 18,252 | Not shown* | 40% | Class 5, 25% |
| Okaloosa County | 17,470 | Not shown* | 64% | Class 5, 25% |
| Walton County | 16,812 | Not shown* | 27% | Class 6, 20% |
| Orange County | 16,357 | $498 | 34% | Class 5, 25% |
| Escambia County | 16,337 | Not shown* | 62% | Class 6, 20% |
| Martin County | 13,500 | Not shown* | 38% | Class 5, 25% |
| Santa Rosa County | 10,674 | $755 | 44% | Class 5, 25% |
| Flagler County | 10,034 | Not shown* | 33% | Class 6, 20% |
| Osceola County | 8,842 | $506 | 63% | Class 5, 25% |
| Nassau County | 8,103 | Not shown* | 27% | Class 7, 15% |
| Polk County | 7,360 | $527 | 54% | Class 6, 20% |
| Seminole County | 6,857 | $647 | 36% | Class 6, 20% |
| Citrus County | 5,655 | $1,922 | 86% | Class 5, 25% |
| Clay County | 3,977 | $853 | 42% | Class 6, 20% |
| Lake County | 3,724 | $636 | 42% | Class 6, 20% |
| Hernando County | 3,586 | $1,323 | 57% | Class 5, 25% |
| Marion County | 3,578 | $549 | 52% | Class 7, 15% |
| Alachua County | 2,930 | Not shown* | 39% | Class 5, 25% |
| Sumter County | 2,726 | $503 | 30% | Class 5, 25% |
| Leon County | 2,590 | $848 | 47% | Class 5, 25% |
| Franklin County | 2,165 | $2,070 | 94% | Class 7, 15% |
| Gulf County | 1,630 | $1,456 | 82% | Class 6, 20% |
| Okeechobee County | 1,294 | $841 | 78% | Class 8, 10% |
| Wakulla County | 1,181 | $2,001 | 87% | Class 7, 15% |
| Putnam County | 1,119 | $1,045 | 78% | Class 8, 10% |
| Highlands County | 994 | $483 | 45% | Class 8, 10% |
| Levy County | 873 | $1,843 | 91% | Class 9, 5% |
| Hendry County | 701 | $1,013 | 68% | Class 8, 10% |
| Columbia County | 657 | $787 | 75% | Class 8, 10% |
| Taylor County | 534 | $1,588 | 92% | Class 9, 5% |
| Dixie County | 496 | $1,293 | 96% | Not in CRS |
| DeSoto County | 456 | $890 | 64% | Not in CRS |
| Bradford County | 437 | $854 | 80% | Not in CRS |
| Suwannee County | 407 | $953 | 67% | Class 10, no discount |
| Gilchrist County | 181 | $934 | 80% | Not in CRS |
| Glades County | 170 | $747 | 52% | Class 7, 15% |
| Baker County | 151 | $810 | 64% | Class 10, no discount |
| Lafayette County | 148 | $867 | 95% | Not in CRS |
| Washington County | 121 | $922 | 61% | Not in CRS |
| Hardee County | 115 | $835 | 57% | Class 10, no discount |
| Jackson County | 102 | $865 | 57% | Class 7, 15% |
| Holmes County | 95 | $924 | 77% | Not in CRS |
| Calhoun County | 87 | $1,022 | 86% | Not in CRS |
| Gadsden County | 87 | $859 | 51% | Not in CRS |
| Madison County | 80 | $706 | 50% | Class 8, 10% |
| Jefferson County | 77 | $716 | 47% | Class 8, 10% |
| Union County | 64 | $790 | 67% | Not in CRS |
| Hamilton County | 52 | $989 | 75% | Not in CRS |
* In counties with many condo buildings, FEMA counts each condo unit as a policy, which pulls the average far below what a house pays. We leave those averages out until we can show houses alone. That is 23 of 66 counties today, including most of the coast.
"High-risk zones" are the flood zones that start with A or V. The CRS discount column is for the unincorporated county only. Each city in the CRS has its own class.
Does my flood zone set my price?
Same flood zone, very different prices. Your flood zone decides whether your lender requires flood insurance. Your NFIP price is figured from your building and its spot.
FEMA's manual says the NFIP builds a price for each building, "rather than relying on flood zones and Base Flood Elevations" for broad groups of homes. So two homes on the same street, in the same zone, can pay very different amounts.
What goes into an NFIP price?
FEMA's Flood Insurance Manual lists what goes into the price. In plain words:
- Where the building sits and how often that spot floods.
- How high the first floor sits above the ground next to it.
- What it would cost to rebuild, and how much coverage you buy. The premium is figured per $1,000 of coverage.
- Claims at the address. Two or more NFIP claims since April 1, 2023 add a factor. Claims stay with the address, not the owner.
- Your deductible. In most cases, a higher deductible may lower the premium.
- Whether you live there. A primary home and a second home are priced differently.
- Your community's CRS discount, if your city or county is in FEMA's Community Rating System.
On top of the premium come a Reserve Fund Assessment, a yearly surcharge ($25 for a primary home, $250 for others) and a $47 federal policy fee for a single-family home.
Why does my neighbor pay less?
There are real reasons, and most come with something you can do.
- Their first floor sits higher. First floor height is part of the price. An elevation certificate can only lower an NFIP price, never raise it. Ask the seller if they have one, or ask a surveyor.
- Their home costs less to rebuild, or they chose a different amount of coverage. Both are in the price. Check that your coverage fits your home and your loan.
- Their address has no recent claims. Two or more paid claims since April 1, 2023 at an address add a factor. Ask the seller about past flood claims before you buy.
- They took a higher deductible. In most cases that lowers the premium. Pick one you could pay after a flood.
- They live there. A second home pays a $250 yearly surcharge instead of $25, and its price can climb faster each year.
- Their policy is further along its climb. Many older policies started below full price and go up each year until they reach it. A new policy on the same street may start at full price.
- They are in a different CRS community. Each city and the unincorporated county has its own CRS class. On the October 1, 2026 FEMA list, unincorporated Hillsborough County is Class 4 (30 percent) and Tampa is Class 5 (25 percent).
- Their machinery is up high, or their foundation has proper flood openings. Both can earn a FEMA mitigation discount. Ask what it would take for your home.
- They have a private flood policy. Private companies set their own prices, so the NFIP rules above do not bind them. Comparing NFIP with private is how you see both.
Why did my renewal go up?
Many older NFIP policies started below their full price. By law, the yearly increase for most policies is capped at 18 percent until the policy reaches full price. For second homes and some other buildings, the yearly increase is 25 percent. FEMA also re-checks what it would cost to rebuild your home at every renewal.
How much does my county's CRS discount take off?
FEMA's Community Rating System gives a discount to eligible NFIP policies in communities that do extra flood work. It runs from 45 percent for Class 1 to 5 percent for Class 9. Class 10 gets none. The discount applies to eligible policies in the community, whatever the zone.
The last column of the table above shows the class for each unincorporated county. If you live in a city, your city has its own class. Check my address to see the right one for your home.
Will shopping around lower my price?
Not between NFIP companies. Every company that sells NFIP policies must use the same NFIP rules, so the same home gets the same NFIP price from each of them. A private flood policy is priced by its own company. Comparing NFIP with private is where prices can differ, and either one can come out lower for a given home.
Questions Florida homeowners ask about flood insurance cost
What is the average cost of flood insurance in Florida?
There is no single honest number yet. In the 43 Florida counties where FEMA's data reflects houses, the county average NFIP premium paid ran from $483 to $2,070 a year (FEMA policy data, July 2026). In counties with many condos, FEMA counts each unit as a policy, which pulls a statewide average down. Your own price depends on your building.
Is flood insurance more expensive in zone AE?
Same flood zone, very different prices. Zone AE is a high-risk zone, so a federally regulated lender will require flood insurance there. The NFIP price itself is figured from the building and its spot: how high the first floor sits, what it costs to rebuild, and how often that spot floods.
Does an elevation certificate lower my flood insurance?
It can, and it cannot raise your NFIP price. FEMA's manual says giving elevation certificate information "will not increase a premium." If it shows your first floor sits higher than FEMA's estimate, the price may go down.
Can a past flood claim raise my price?
Yes. Two or more NFIP claims at the address since April 1, 2023 add a factor to the price. The claims history stays with the address, not with the owner, so ask the seller before you buy.
Sources and dates
- FEMA, NFIP Flood Insurance Manual, October 2025, Section 3 (rating method, Table 1 rating variables, first floor height, elevation certificate, replacement cost, prior claims, mitigation discounts, deductibles, Tables 33 to 35 assessments, surcharges and fees, CRS Table 3). Read November 4, 2026. https://agents.floodsmart.gov/sites/default/files/media/document/2025-09/fema_nfip-FloodInsuranceManual-October2025-508c.pdf
- FEMA, OpenFEMA FIMA NFIP Redacted Policies v2: policies in force, average premium paid and high-risk zone share by county, as of July 2026. Read November 4, 2026. https://www.fema.gov/openfema-data-page/fima-nfip-redacted-policies-v2
- FEMA, CRS Eligible Communities, October 1, 2026 effective date (CRS class for each unincorporated county, from the county data files). https://www.fema.gov/sites/default/files/documents/fema_rsl_crs_eligible-communities_oct-2026.pdf
- 42 U.S.C. 4015(e), yearly limits on NFIP premium increases (18 and 25 percent). govinfo.gov, read October 26, 2026. https://www.govinfo.gov/link/uscode/42/4015
- 44 CFR 62.23(h)(2), Write Your Own companies use NFIP rates. eCFR, up to date as of October 28, 2026, read October 30, 2026. https://www.ecfr.gov/api/versioner/v1/full/2026-10-28/title-44.xml?part=62§ion=62.23
Facts last checked November 4, 2026. Every figure comes from the federal or state source listed above.