Flood insurance cost in Florida
In Florida, the lowest private flood insurance quote ran $1,528 a year and the typical private quote ran $3,362. The NFIP quote ran $2,228.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 23% below the NFIP quote, and private was the cheaper option for 62% of those 1,001 properties. The typical private quote came in 62% above NFIP.
Median annual premiums from 12,877 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Zone X, B and C (moderate to low risk) | $614 | $1,035 | $961 | 4,406 |
| Zone A, AE, AH and AO (high risk) | $2,805 | $6,370 | $3,190 | 8,331 |
| Residential properties | $1,528 | $3,362 | $2,213 | 12,806 |
How quotes have moved since 2020
- Lowest private quote$1,174 in 2026
- Typical private quote$3,319 in 2026
- NFIP quote$2,124 in 2026
Dashed lines span years with too few quotes to report a figure.
* 2026 is still in progress and runs through the latest update.
| Year | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| 2020 | $1,408 | $2,302 | $1,903 | 3,323 |
| 2021 | $1,614 | $3,006 | $1,571 | 4,030 |
| 2022 | $1,733 | $3,314 | n/a | 3,698 |
| 2023 | $2,328 | $4,354 | n/a | 4,754 |
| 2024 | $1,505 | $3,108 | $2,042 | 6,561 |
| 2025 | $1,746 | $3,572 | $2,305 | 7,295 |
| 2026* | $1,174 | $3,319 | $2,124 | 4,019 |
Counties in Florida
| County | Lowest private | Typical private | NFIP | Lowest private vs NFIP | Carrier quotes |
|---|---|---|---|---|---|
| Lee County | $4,959 | $10,016 | $4,341 | 27% higher | 1,342 |
| Broward County | $716 | $1,434 | $1,114 | 36% lower | 1,207 |
| Pinellas County | $3,348 | $5,547 | $3,558 | 33% higher | 1,055 |
| Hillsborough County | $2,361 | $6,437 | $2,764 | 13% lower | 866 |
| Charlotte County | $5,999 | $10,779 | $4,365 | 40% higher | 856 |
| Sarasota County | $1,581 | $2,677 | $1,861 | 9% lower | 758 |
| Miami-Dade County | $1,715 | $3,861 | $2,319 | 22% lower | 752 |
| Pasco County | $1,972 | $3,632 | $2,261 | 21% lower | 579 |
| Collier County | $4,119 | $8,178 | $4,254 | 12% lower | 565 |
| Volusia County | $703 | $927 | $1,237 | 49% lower | 473 |
| Brevard County | $925 | $1,910 | $1,981 | n/a | 421 |
| Palm Beach County | $671 | $1,180 | $853 | n/a | 394 |
| Manatee County | $2,555 | $4,897 | $2,861 | n/a | 315 |
Only places where at least 20 different properties were quoted in the period are listed.
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in Florida?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Florida was $3,362 a year and the lowest private quote a property received was $1,528. NFIP quotes ran $2,228. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Is private flood insurance cheaper than NFIP in Florida?
- Where a property was quoted both ways, the lowest private quote came in a median 23% below the NFIP quote, and private was the cheaper option for 62% of those 1,001 properties. The typical private quote came in 62% above NFIP.
- How much does the flood zone change the price in Florida?
- Properties in high-risk A zones were quoted a typical $6,370 a year for private flood insurance, against $1,035 in moderate to low risk X zones. The lowest quotes ran $2,805 and $614.
- Where do these numbers come from?
- From 12,877 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in Florida
- Flood insurance in Florida: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.