{
  "version": "1.0.0",
  "slug": "/reports/florida-home-insurance-rate-data-2026-10-14",
  "title": "Florida Home Insurance Rate Data: October 14, 2026",
  "observedOn": "2026-10-14",
  "collectedAtUtc": "2026-10-15T00:05:19.699Z",
  "sourceUrl": "https://choices.floir.gov/pandc/homeowners",
  "sourceScenarioUrl": "https://choices.floir.gov/PandC/Data/Example?iId=2&eId=6",
  "sourceScenarioLabel": "$300,000 Value - New Construction",
  "scenario": {
    "construction": "masonry",
    "yearBuilt": 2005,
    "replacementValueUsd": 300000,
    "nonHurricaneDeductibleUsd": 500,
    "hurricaneDeductiblePercent": 2,
    "claimsPriorThreeYears": 0,
    "windFeatures": "limited; minimum premium discounts; no hip roof"
  },
  "countyCount": 67,
  "companyCount": 19,
  "observationCount": 1273,
  "medianOfCountyMediansUsd": 3601,
  "middleHalfCountyMediansUsd": [
    3108,
    4746
  ],
  "quantileMethod": "inclusive linear interpolation; index=(n-1)*p",
  "aggregation": "Median sample company rate within each county, then unweighted median across 67 county medians.",
  "exclusions": "OIR excludes companies submitting trade-secret data. No available rows were excluded by this analysis.",
  "sourceCountyLabelVariants": {
    "Desoto": "DeSoto",
    "Miami-Dade": "Dade"
  },
  "dataPath": "/data/oir-homeowners/2026-10-14",
  "files": [
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      "file": "company-county-rates.csv",
      "bytes": 215189,
      "sha256": "acfece12ffc2a187083ac81238661a3094f02da7900b89879b80b40f4ff15948"
    },
    {
      "file": "county-summary.csv",
      "bytes": 2427,
      "sha256": "c0929513f0b9347769d97f66ab1d1d0e58d151aaa2802a757684787fc39e3266"
    },
    {
      "file": "source-snapshot.json",
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      "sha256": "e232affc87f2f05fdc75f82d933c4e4591cb78f8079975206f5916f214a08d8e"
    }
  ],
  "counties": [
    {
      "county": "Alachua",
      "sourceReturnedCounty": "Alachua",
      "observations": 19,
      "minimum": 1911,
      "median": 2813,
      "maximum": 6959
    },
    {
      "county": "Baker",
      "sourceReturnedCounty": "Baker",
      "observations": 19,
      "minimum": 1748,
      "median": 2783,
      "maximum": 7212
    },
    {
      "county": "Bay",
      "sourceReturnedCounty": "Bay",
      "observations": 19,
      "minimum": 2611,
      "median": 4261,
      "maximum": 11636
    },
    {
      "county": "Bradford",
      "sourceReturnedCounty": "Bradford",
      "observations": 19,
      "minimum": 1952,
      "median": 2665,
      "maximum": 7159
    },
    {
      "county": "Brevard",
      "sourceReturnedCounty": "Brevard",
      "observations": 19,
      "minimum": 2498,
      "median": 4926,
      "maximum": 9624
    },
    {
      "county": "Broward",
      "sourceReturnedCounty": "Broward",
      "observations": 19,
      "minimum": 3228,
      "median": 8025,
      "maximum": 16645
    },
    {
      "county": "Calhoun",
      "sourceReturnedCounty": "Calhoun",
      "observations": 19,
      "minimum": 2222,
      "median": 3249,
      "maximum": 7580
    },
    {
      "county": "Charlotte",
      "sourceReturnedCounty": "Charlotte",
      "observations": 19,
      "minimum": 2822,
      "median": 4729,
      "maximum": 6755
    },
    {
      "county": "Citrus",
      "sourceReturnedCounty": "Citrus",
      "observations": 19,
      "minimum": 2351,
      "median": 3999,
      "maximum": 7807
    },
    {
      "county": "Clay",
      "sourceReturnedCounty": "Clay",
      "observations": 19,
      "minimum": 1801,
      "median": 2404,
      "maximum": 8003
    },
    {
      "county": "Collier",
      "sourceReturnedCounty": "Collier",
      "observations": 19,
      "minimum": 2777,
      "median": 6897,
      "maximum": 12439
    },
    {
      "county": "Columbia",
      "sourceReturnedCounty": "Columbia",
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      "minimum": 2052,
      "median": 2827,
      "maximum": 6925
    },
    {
      "county": "Desoto",
      "sourceReturnedCounty": "DeSoto",
      "observations": 19,
      "minimum": 2413,
      "median": 3823,
      "maximum": 6441
    },
    {
      "county": "Dixie",
      "sourceReturnedCounty": "Dixie",
      "observations": 19,
      "minimum": 1783,
      "median": 3153,
      "maximum": 6924
    },
    {
      "county": "Duval",
      "sourceReturnedCounty": "Duval",
      "observations": 19,
      "minimum": 1909,
      "median": 3120,
      "maximum": 7745
    },
    {
      "county": "Escambia",
      "sourceReturnedCounty": "Escambia",
      "observations": 19,
      "minimum": 2989,
      "median": 4924,
      "maximum": 11070
    },
    {
      "county": "Flagler",
      "sourceReturnedCounty": "Flagler",
      "observations": 19,
      "minimum": 2010,
      "median": 3565,
      "maximum": 8868
    },
    {
      "county": "Franklin",
      "sourceReturnedCounty": "Franklin",
      "observations": 19,
      "minimum": 2536,
      "median": 4285,
      "maximum": 11778
    },
    {
      "county": "Gadsden",
      "sourceReturnedCounty": "Gadsden",
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      "minimum": 1510,
      "median": 2949,
      "maximum": 10352
    },
    {
      "county": "Gilchrist",
      "sourceReturnedCounty": "Gilchrist",
      "observations": 19,
      "minimum": 2009,
      "median": 2938,
      "maximum": 8438
    },
    {
      "county": "Glades",
      "sourceReturnedCounty": "Glades",
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      "minimum": 2429,
      "median": 4290,
      "maximum": 8653
    },
    {
      "county": "Gulf",
      "sourceReturnedCounty": "Gulf",
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      "minimum": 2480,
      "median": 4116,
      "maximum": 9305
    },
    {
      "county": "Hamilton",
      "sourceReturnedCounty": "Hamilton",
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      "minimum": 1580,
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      "maximum": 6905
    },
    {
      "county": "Hardee",
      "sourceReturnedCounty": "Hardee",
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      "median": 3601,
      "maximum": 6950
    },
    {
      "county": "Hendry",
      "sourceReturnedCounty": "Hendry",
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      "median": 4579,
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    },
    {
      "county": "Hernando",
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      "median": 5479,
      "maximum": 12476
    },
    {
      "county": "Highlands",
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      "median": 3471,
      "maximum": 7188
    },
    {
      "county": "Hillsborough",
      "sourceReturnedCounty": "Hillsborough",
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      "minimum": 3067,
      "median": 5111,
      "maximum": 8438
    },
    {
      "county": "Holmes",
      "sourceReturnedCounty": "Holmes",
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      "median": 3099,
      "maximum": 9735
    },
    {
      "county": "Indian River",
      "sourceReturnedCounty": "Indian River",
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      "minimum": 3756,
      "median": 6636,
      "maximum": 16097
    },
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      "county": "Jackson",
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      "maximum": 10016
    },
    {
      "county": "Jefferson",
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      "median": 3154,
      "maximum": 6812
    },
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      "county": "Lafayette",
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      "maximum": 8117
    },
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      "county": "Lee",
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    {
      "county": "Leon",
      "sourceReturnedCounty": "Leon",
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      "maximum": 6362
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      "sourceReturnedCounty": "Levy",
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      "county": "Liberty",
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      "maximum": 6802
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      "county": "Manatee",
      "sourceReturnedCounty": "Manatee",
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    },
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      "county": "Marion",
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    },
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      "maximum": 37947
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      "sourceReturnedCounty": "Nassau",
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    },
    {
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      "county": "Orange",
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    },
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      "county": "Palm Beach",
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    },
    {
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      "county": "Pinellas",
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    },
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    },
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    },
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    },
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      "county": "Washington",
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  ]
}