Data · May 2026 data · 13-month trend
Florida Flood Insurance Costs
In May 2026, the average premium among Florida NFIP policies newly written or renewed that month was $974. That tracks the $982 national average almost exactly. The figure is up 8.0% year over year. In all, 155,698 policies were written or renewed across 67 counties that month, and Franklin County topped the county table at $2,517.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — May 2026
- Average premium
- $974
- Avg total cost (with fees)
- $1,240
- Change (year over year)
- +8.0%
- vs national average
- -0.8%
- Policies written or renewed
- 155,698
- Counties reporting
- 67
Florida trend, last 13 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $902 | $1,154 | 170,680 | |
| June 2025 | $937 | $1,199 | 181,567 | |
| July 2025 | $916 | $1,175 | 179,606 | |
| August 2025 | $924 | $1,188 | 159,990 | |
| September 2025 | $884 | $1,142 | 159,117 | |
| October 2025 | $834 | $1,077 | 152,159 | |
| November 2025 | $859 | $1,106 | 121,386 | |
| December 2025 | $863 | $1,107 | 120,571 | |
| January 2026 | $828 | $1,061 | 116,223 | |
| February 2026 | $857 | $1,098 | 117,313 | |
| March 2026 | $899 | $1,149 | 143,094 | |
| April 2026 | $905 | $1,152 | 164,267 | |
| May 2026 | $974 | $1,240 | 155,698 |
County breakdown — May 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Franklin County | $2,517 | $3,178 | 188 | |
| Citrus County | $2,189 | $2,709 | 726 | |
| Wakulla County | $2,161 | $2,664 | 107 | |
| Monroe County | $2,013 | $2,521 | 3,150 | |
| Levy County | $1,905 | $2,370 | 109 | |
| Charlotte County | $1,720 | $2,139 | 4,141 | |
| Pinellas County | $1,616 | $1,999 | 10,285 | |
| Lee County | $1,580 | $1,971 | 13,339 | |
| Gulf County | $1,541 | $1,990 | 159 | |
| Hernando County | $1,508 | $1,892 | 347 | |
| Hillsborough County | $1,476 | $1,841 | 5,211 | |
| Taylor County | $1,435 | $1,818 | 61 | |
| Pasco County | $1,419 | $1,782 | 1,993 | |
| Manatee County | $1,365 | $1,730 | 3,481 | |
| Collier County | $1,311 | $1,650 | 10,183 | |
| Putnam County | $1,280 | $1,612 | 85 | |
| Calhoun County | $1,260 | $1,559 | 5 | |
| Sarasota County | $1,245 | $1,567 | 6,654 | |
| FIPS 12000 | $1,121 | $1,357 | 39 | |
| Suwannee County | $1,114 | $1,447 | 30 | |
| Baker County | $932 | $1,251 | 17 | |
| Indian River County | $924 | $1,186 | 2,661 | |
| Hardee County | $923 | $1,161 | 17 | |
| Hendry County | $912 | $1,211 | 78 | |
| Washington County | $910 | $1,178 | 7 | |
| Gilchrist County | $909 | $1,231 | 13 | |
| Lafayette County | $904 | $1,199 | 15 | |
| Martin County | $888 | $1,152 | 1,060 | |
| Clay County | $883 | $1,137 | 331 | |
| St. Johns County | $874 | $1,135 | 2,774 | |
| Escambia County | $873 | $1,139 | 1,382 | |
| Okeechobee County | $870 | $1,136 | 117 | |
| DeSoto County | $835 | $1,098 | 50 | |
| Hamilton County | $820 | $1,085 | 5 | |
| Bradford County | $815 | $1,072 | 35 | |
| Flagler County | $802 | $1,032 | 883 | |
| Leon County | $777 | $1,040 | 191 | |
| Nassau County | $762 | $1,001 | 840 | |
| Dixie County | $761 | $1,016 | 78 | |
| Holmes County | $738 | $1,018 | 9 | |
| Duval County | $735 | $953 | 2,619 | |
| Union County | $733 | $965 | 8 | |
| Jefferson County | $730 | $933 | 8 | |
| Columbia County | $726 | $980 | 57 | |
| Brevard County | $721 | $939 | 3,968 | |
| Santa Rosa County | $709 | $929 | 1,172 | |
| St. Lucie County | $693 | $912 | 1,500 | |
| Glades County | $685 | $895 | 16 | |
| Alachua County | $681 | $937 | 213 | |
| Gadsden County | $663 | $854 | 1 | |
| Jackson County | $642 | $852 | 10 | |
| Lake County | $634 | $854 | 303 | |
| Broward County | $618 | $815 | 16,001 | |
| Miami-Dade County | $615 | $792 | 31,738 | |
| Okaloosa County | $597 | $783 | 2,151 | |
| Seminole County | $595 | $791 | 689 | |
| Palm Beach County | $580 | $776 | 9,955 | |
| Marion County | $546 | $754 | 327 | |
| Osceola County | $545 | $764 | 636 | |
| Polk County | $542 | $747 | 738 | |
| Sumter County | $534 | $722 | 244 | |
| Madison County | $531 | $755 | 8 | |
| Volusia County | $520 | $689 | 4,818 | |
| Orange County | $467 | $652 | 1,495 | |
| Highlands County | $457 | $656 | 118 | |
| Bay County | $429 | $570 | 3,209 | |
| Walton County | $315 | $448 | 2,680 |
Use this data
Download Florida CSV (florida.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (FimaNfipPolicies).
"Florida Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, May 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/florida
Related guides
Editorial context for reading these numbers — how NFIP coverage and pricing work in practice, and what a flood map does and doesn’t tell you.