OIR CHOICES data collected
Florida home insurance rate data, county by county
See how the same sample home compares across Florida, then let us price your actual address. This release brings together 1,273 public sample rates from 19 companies in all 67 counties.
What the sample shows
The median across the 67 county medians was $3,601 per year. The middle half of county medians ran from $3,108 to $4,746.
Think of this as comparing the same example home in different counties. Each county gets equal weight. It does not measure the average premium paid by Florida households or predict your renewal.
Source: Florida Office of Insurance Regulation CHOICES. Greene & Associates organized the public observations and calculated the county medians. Download the source responses and calculation below to check the results.
The home used in every comparison
OIR labels this scenario “$300,000 Value - New Construction.” Its description specifies a home built in 2005.
- Construction and age
- Masonry home built in 2005
- Replacement value
- $300,000
- Non-hurricane deductible
- $500
- Hurricane deductible
- 2%
- Claims history
- No claims in the prior three years
- Wind features
- Limited mitigation features, minimum premium discounts, and no hip roof
See what your home could cost to insure
A county sample is a starting point. Your roof, address and coverage can change the price. Send us the property details and we’ll compare your options.
Annual sample rates for all 67 counties
Each row summarizes 19 company samples for the home above. The spread shows the lowest and highest sample in this dataset; it is not a price offer for every home in that county.
Download county rates (CSV)Scroll the table to explore all counties. The headings and county names stay in view.
| County | Median / year | Sample spread / year |
|---|---|---|
| Alachua | $2,813 | $1,911–$6,959 |
| Baker | $2,783 | $1,748–$7,212 |
| Bay | $4,261 | $2,611–$11,636 |
| Bradford | $2,665 | $1,952–$7,159 |
| Brevard | $4,926 | $2,498–$9,624 |
| Broward | $8,025 | $3,228–$16,645 |
| Calhoun | $3,249 | $2,222–$7,580 |
| Charlotte | $4,729 | $2,822–$6,755 |
| Citrus | $3,999 | $2,351–$7,807 |
| Clay | $2,404 | $1,801–$8,003 |
| Collier | $6,897 | $2,777–$12,439 |
| Columbia | $2,827 | $2,052–$6,925 |
| DeSoto | $3,823 | $2,413–$6,441 |
| Dixie | $3,153 | $1,783–$6,924 |
| Duval | $3,120 | $1,909–$7,745 |
| Escambia | $4,924 | $2,989–$11,070 |
| Flagler | $3,565 | $2,010–$8,868 |
| Franklin | $4,285 | $2,536–$11,778 |
| Gadsden | $2,949 | $1,510–$10,352 |
| Gilchrist | $2,938 | $2,009–$8,438 |
| Glades | $4,290 | $2,429–$8,653 |
| Gulf | $4,116 | $2,480–$9,305 |
| Hamilton | $2,852 | $1,580–$6,905 |
| Hardee | $3,601 | $2,429–$6,950 |
| Hendry | $4,579 | $2,429–$9,889 |
| Hernando | $5,479 | $2,351–$12,476 |
| Highlands | $3,471 | $2,429–$7,188 |
| Hillsborough | $5,111 | $3,067–$8,438 |
| Holmes | $3,099 | $1,849–$9,735 |
| Indian River | $6,636 | $3,756–$16,097 |
| Jackson | $3,058 | $1,631–$10,016 |
| Jefferson | $3,154 | $1,838–$6,812 |
| Lafayette | $3,041 | $1,674–$8,117 |
| Lake | $3,685 | $2,143–$9,866 |
| Lee | $5,125 | $2,923–$7,919 |
| Leon | $2,595 | $1,526–$6,362 |
| Levy | $3,250 | $2,115–$7,124 |
| Liberty | $3,250 | $2,081–$7,489 |
| Madison | $2,846 | $1,644–$6,802 |
| Manatee | $4,523 | $2,690–$8,132 |
| Marion | $3,147 | $2,261–$8,585 |
| Martin | $7,741 | $3,756–$17,438 |
| Miami-Dade | $9,774 | $4,344–$16,927 |
| Monroe | $8,745 | $2,860–$37,947 |
| Nassau | $2,758 | $1,919–$6,869 |
| Okaloosa | $4,851 | $2,694–$13,391 |
| Okeechobee | $4,577 | $3,198–$8,720 |
| Orange | $4,369 | $2,500–$12,217 |
| Osceola | $4,490 | $2,572–$15,943 |
| Palm Beach | $7,918 | $3,737–$20,327 |
| Pasco | $6,076 | $2,600–$8,250 |
| Pinellas | $4,763 | $2,633–$7,997 |
| Polk | $4,221 | $3,144–$7,743 |
| Putnam | $2,556 | $1,663–$7,714 |
| Santa Rosa | $4,827 | $2,924–$11,864 |
| Sarasota | $4,515 | $2,690–$8,645 |
| Seminole | $3,544 | $2,767–$11,001 |
| St. Johns | $3,312 | $1,811–$8,124 |
| St. Lucie | $7,693 | $3,756–$19,275 |
| Sumter | $3,214 | $2,100–$9,254 |
| Suwannee | $3,020 | $1,814–$6,791 |
| Taylor | $3,117 | $1,872–$6,608 |
| Union | $2,691 | $2,201–$7,079 |
| Volusia | $3,528 | $2,010–$8,464 |
| Wakulla | $3,594 | $2,215–$7,012 |
| Walton | $4,424 | $2,694–$10,547 |
| Washington | $3,138 | $2,096–$8,039 |
Download the data and reproduce the calculation
- All 1,273 company/county samples (CSV)
- 67 county summaries (CSV)
- Original captured OIR responses (JSON)
- Original OIR scenario description (JSON)
- Source details, file hashes and summary (JSON)
- Reproduce the calculation (Node.js script)
To reproduce the headline, save the script, source snapshot and metadata in one folder and run node reproduce.mjs. It reads the saved data, checks the source file’s hash, and prints the county medians and statewide comparison result. It needs no packages or network access.
Calculation steps
- Collect OIR’s scenario 6 company sample rates for each of the 67 counties.
- Retain every returned rate. Check that rates are positive numbers and company/county pairs are unique.
- Sort the 19 company rates within each county and take the middle value.
- Sort the 67 county medians and take the middle value. This gives each county equal weight, regardless of population or policy count.
- Find the 25th and 75th percentiles of county medians using inclusive linear interpolation: position = (number of counties − 1) × percentile.
OIR excludes companies that submit trade-secret data. We excluded no returned observations. These companies and samples do not represent every insurer, every household or the markets currently available for a particular address. OIR’s user guide explains the annual sample rates.
Data dictionary
- county (Both CSVs)
- County label in the OIR selector.
- source_county (Both CSVs)
- County label returned by OIR. DeSoto and Dade are retained as returned; the selector uses Desoto and Miami-Dade.
- company_id / company (Company rates)
- OIR company identifier and company name. These are source companies, not a list of agency appointments.
- annual_sample_premium_usd (Company rates)
- OIR’s annual sample premium for one company, county and scenario, in US dollars.
- scenario_id (Company rates)
- 6: the $300,000 Value - New Construction selection, described above.
- collected_at_utc (Company rates)
- UTC time when the complete snapshot capture finished. County responses were collected sequentially in small batches.
- source_url (Company rates)
- The official county response endpoint used for that row. Live responses may change.
- observations (County summary)
- Number of company sample rates in that county: 19 in this release.
- minimum_usd / median_usd / maximum_usd (County summary)
- Lowest, middle and highest company sample rates for the county, in annual US dollars.
Questions about these rates
What does the $3,601 figure measure?
It is the median of 67 county medians in our October 14, 2026 OIR CHOICES snapshot. We took the middle of 19 company sample rates in each county, then the middle of those 67 results. Every sample uses the same modeled home: masonry construction, built in 2005, with $300,000 replacement value. It is a comparison benchmark rather than the average bill paid by Florida homeowners.
Why does the scenario say New Construction for a home built in 2005?
“$300,000 Value - New Construction” is OIR’s scenario label. Its description specifies a masonry home built in 2005. We retain the label so you can find the same selection in CHOICES, and show the actual modeled age here.
Can I buy a policy at one of these sample prices?
Your quote depends on your address, roof, coverage, deductibles and the companies currently accepting the home. These public samples help you compare one scenario across counties. Send us your address and we’ll compare the options for your property.
Why is this different from the September figure in the cost guide?
This is a separate October 14 data release. The cost guide describes a September 14 snapshot with a different set of observations. Comparing the two headline figures alone does not show how much an individual homeowner’s premium changed. The dates, sample companies and scenario need to match before drawing that conclusion.
Cite this release
Greene & Associates Insurance. “Florida Home Insurance Rate Data: October 14, 2026.” Version 1.0.0. Analysis of Florida OIR CHOICES scenario 6, collected October 14, 2026. https://www.greeneinsurance.com/reports/florida-home-insurance-rate-data-2026-10-14.
When citing a number, include the scenario and collection date. The data capture finished at (00:05 UTC on October 15).
Version history
Version 1.0.0: first release of the October 14 snapshot, with 1,273 observations and 67 county summaries. Future snapshots will have their own dated release. This archive does not update itself.