From Staff Reports
In Summary:
Florida remains the country’s most expensive state for homeowners insurance after average premiums increased 18% in 2025. Orange County and Apopka homeowners may pay less than the statewide average, although local premiums vary widely based on coverage, roof age, construction, and location. Some Citizens Property Insurance customers will receive rate reductions averaging approximately 9% beginning June 1.
*****
Florida homeowners continue to pay the highest property insurance premiums in the country, with average costs rising sharply last year despite signs of improving financial stability within the state’s insurance market.
The average Florida premium reached $8,292 in 2025, an 18% increase from 2024, according to Insurify’s Insuring the American Homeowner Report.
That was more than twice the national average of $2,948. Florida insurance costs have increased by more than 14% since 2023, despite briefly declining in 2024.
Related: Florida’s proposed property tax amendment will require trade-offs – and some residents could end up with higher costs.
Insurify’s data scientists project Florida’s average premium will increase another 2%, or approximately $166, by the end of 2026. That would bring the annual average to $8,458 and leave Florida far ahead of every other state.
Oklahoma is projected to rank second at $5,205, followed by Louisiana at $5,035 and Nebraska at $4,560.
Orange County homeowners face a wide range of rates
Orange County homeowners generally benefit from being farther inland than residents of Florida’s most hurricane-exposed coastal counties, but local insurance costs remain high and vary considerably by property and insurer.
Florida Office of Insurance Regulation data previously placed Orange County’s median base rate at approximately $2,600, with rates among reporting insurers ranging from $853 to more than $6,000. Those figures represent base-rate comparisons and should not be treated as the final premium for every homeowner. Central Florida Public Media reported the county figures from state regulatory records.
A separate Insurify analysis estimates Orlando homeowners pay an average of $5,328 annually for a policy carrying $300,000 in dwelling coverage and a $1,000 deductible.
That Orlando estimate is below Insurify’s comparable statewide figure of $6,504 for the same standardized coverage. It remains substantially higher than the national average calculated under the same method.
The figures are not directly comparable with Insurify’s $8,292 statewide estimate because the statewide report uses each state’s typical dwelling-coverage value, while the Orlando comparison holds coverage at $300,000.
Orange County homeowners’ actual premiums can vary based on the age and replacement cost of the house, roof condition, wind-mitigation features, claims history, deductible, flood exposure and proximity to emergency services.
The Florida Office of Insurance Regulation began collecting residential policy information monthly at the county and ZIP-code levels in January 2025. The agency cautions that insurers submit their market-intelligence data, and it is not audited before publication. Florida Office of Insurance Regulation
Apopka estimates vary by dwelling coverage
Apopka homeowners face the same statewide pressures, but the city’s inland location can produce premiums below Florida’s overall average.
Available estimates from TGS Insurance Agency place the average Apopka premium at $2,189 for houses carrying between $200,000 and $299,999 in dwelling coverage.
The estimates rise as the amount of coverage increases:
| Dwelling coverage |
Estimated annual premium |
| $200,000-$299,999 |
$2,189 |
| $300,000-$399,999 |
$2,441 |
| $400,000-$499,999 |
$2,821 |
| $500,000-$599,999 |
$3,186 |
| $600,000-$699,999 |
$3,672 |
The agency estimates that ZIP code 32712 has Apopka’s highest average premium at approximately $2,769. TGS Insurance Agency
Those estimates include windstorm and hail coverage but should be viewed as general benchmarks rather than guaranteed quotes. They also come from a different dataset and methodology than Insurify’s statewide report.
Two similar Apopka homes can receive substantially different quotes based on their age, roof, construction materials, wind-mitigation inspection, prior claims, and precise location.
Older houses may cost more to insure if they have outdated electrical, plumbing or roofing systems. Newer homes built under stronger construction codes may qualify for lower rates, particularly if they include hurricane straps, impact-resistant openings or wind-rated garage doors.
Flooding represents a separate consideration. Standard homeowners policies generally do not cover flood damage, meaning homeowners in flood-prone areas may need an additional policy through the National Flood Insurance Program or a private insurer.
Hurricanes continue to affect premiums
Florida’s extensive coastline and hurricane exposure remain central factors in the state’s insurance costs, including rates paid by inland homeowners.
Although no hurricanes made landfall in Florida during 2025, insurers were still absorbing losses from Hurricanes Helene and Milton, which struck in 2024. The two storms generated approximately 300,000 homeowners insurance claims, according to Insurify.
Those losses helped push Florida’s average premium up by $1,252 last year.
Florida has experienced at least 34 weather disasters causing $1 billion or more in damage since 2020, including hurricanes, floods and severe storms, according to data cited by Insurify.
The cost of repairing damaged homes is also increasing. Insurify reported that building-material prices rose 15% over the past year, increasing the potential cost of claims and the amount of dwelling coverage homeowners may need.
Florida leads country in insurance costs
Insurify compared average premiums using each state’s typical dwelling-coverage value for a single-family home. Dwelling coverage reflects the estimated cost of rebuilding a house and does not include the land’s value.
Florida’s typical dwelling-coverage amount was $328,842.
| State |
2025 average |
2026 projection |
Projected change |
| Florida |
$8,292 |
$8,458 |
2% |
| Oklahoma |
$4,962 |
$5,205 |
5% |
| Louisiana |
$5,050 |
$5,035 |
Less than 1% decrease |
| Nebraska |
$4,028 |
$4,560 |
13% |
| Texas |
$4,380 |
$4,529 |
3% |
| California |
$2,455 |
$2,843 |
16% |
| New York |
$2,140 |
$2,149 |
Less than 1% |
| Maine |
$1,374 |
$1,359 |
1% decrease |
| Vermont |
$1,087 |
$1,094 |
1% |
Source: Insurify’s Insuring the American Homeowner Report
Although Florida had the country’s highest average premium, it is not expected to experience the steepest percentage increase this year. Insurify projects rates will rise 16% in California, 13% in Nebraska, 11% in New Mexico and 10% in Georgia.
Nationally, the average annual premium increased 12% to $2,948 in 2025. Insurify projects another 4% increase, bringing the national average to $3,057 by year-end.
Since 2021, national home insurance costs have increased 46%, nearly three times the 16% inflation rate over the same period.
Some Citizens customers will receive reductions
Some Florida homeowners will see lower costs through Citizens Property Insurance Corp., the state-backed insurer for property owners unable to obtain coverage through the private market.
Citizens is reducing residential rates by an average of approximately 9%. The reductions take effect June 1 and could exceed 13% for some policyholders.
The exact effect on Orange County and Apopka policyholders will depend on the policy type, coverage and rating territory. An average statewide reduction does not mean every Citizens customer will receive the same decrease.
Approximately 395,000 properties are currently insured through Citizens, down substantially from the October 2023 peak of 1.4 million.
The reduction reflects customers moving into the private insurance market, lowering the state-backed company’s exposure to hurricane losses.
Florida’s broader private market is also showing signs of stabilization. State regulators reported that numerous insurers have requested rate decreases or no increase since 2024, while Florida-based property insurers collectively returned to profitability.
Lower litigation and reinsurance expenses have helped improve insurers’ financial positions. The Office of Insurance Regulation reported that the downward rate trend that began in 2024 continued into 2025, while new companies entered the Florida market. Florida Office of Insurance Regulation
Those improvements could ease the pressure for larger increases. Nevertheless, Florida is expected to remain the country’s most expensive homeowners insurance market, with average annual costs nearing $8,500 by the end of 2026.
Key Points:
- Florida’s average homeowners insurance premium increased 18% to $8,292 in 2025.
- Insurify projects the statewide average will increase another 2% to $8,458 by the end of 2026.
- Orlando-area homeowners pay an estimated $5,328 for a standardized policy carrying $300,000 in dwelling coverage.
- Available Apopka estimates range from $2,189 for lower dwelling-coverage levels to $3,672 for coverage between $600,000 and $699,999.
- Some Citizens Property Insurance customers will receive rate reductions averaging approximately 9%, although the effect will differ by policy and location.
