Affordable Home Insurance in Florida
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What drives home insurance rates in Florida
Average homeowners premium, 2023
$2,779
The average homeowners policy in Florida cost $2,779 for a year of coverage in 2023, against $1,737 nationally.
Claims paid per premium dollar, 2023
39.9¢
Home insurers in Florida paid 39.9 cents in claims for every premium dollar in 2023; the median state was 64 cents.
Severe weather events, 2024
380
NOAA logged 132 tornado, 60 large-hail and 188 flash-flood event reports in Florida in 2024, counted per county or zone. Wind and hail claims fall on the homeowners policy; flood needs its own.
Natural-hazard loss rank
#3
FEMA ranks Florida #3 of 51 for expected annual loss from natural hazards; hurricane accounts for 49% of that loss, and wind damage is covered under most policies, and flood needs a separate policy.
- Average homeowners premium, 2023: NAIC Homeowners Insurance Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Severe weather events, 2024: NOAA Storm Events Database, 2024
- Natural-hazard loss rank: FEMA National Risk Index
Largest home insurers in Florida
The ten insurer groups that wrote the most home premium in Florida in 2025, with their share of the state total of $18.8 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | Citizens Property Insurance Corp | 7.98% | $1.5 billion |
| 2 | Florida Peninsula Holdings Group | 7.84% | $1.5 billion |
| 3 | Universal Insurance Holding Group | 7.61% | $1.4 billion |
| 4 | State Farm Group | 6.86% | $1.3 billion |
| 5 | Slide Insurance Holdings Group | 6.49% | $1.2 billion |
| 6 | Hci Group Inc | 4.96% | $933 million |
| 7 | United Services Automobile Association Group | 4.87% | $918 million |
| 8 | Tower Hill Insurance Group | 4.78% | $901 million |
| 9 | Frontline Insurance Group | 4.63% | $872 million |
| 10 | American Integrity Insurance Co. | 3.13% | $590 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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