Data · June 2026 data · 14-month trend
Florida Flood Insurance Costs
In June 2026, the average premium among Florida NFIP policies newly written or renewed that month was $1,010. That tracks the $1,001 national average almost exactly. The figure is up 7.9% year over year. In all, 174,012 policies were written or renewed across 66 counties that month, and Wakulla County topped the county table at $2,408.
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 — June 2026
- Average premium
- $1,010
- Avg total cost (with fees)
- $1,285
- Change (year over year)
- +7.9%
- vs national average
- +0.9%
- Policies written or renewed
- 174,012
- Counties reporting
- 66
Florida trend, last 14 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 | 170,759 | |
| June 2025 | $936 | $1,198 | 181,737 | |
| July 2025 | $915 | $1,175 | 179,810 | |
| August 2025 | $924 | $1,187 | 160,202 | |
| September 2025 | $883 | $1,141 | 159,457 | |
| October 2025 | $836 | $1,079 | 152,262 | |
| November 2025 | $859 | $1,106 | 121,486 | |
| December 2025 | $862 | $1,106 | 120,834 | |
| January 2026 | $829 | $1,062 | 116,403 | |
| February 2026 | $857 | $1,099 | 117,416 | |
| March 2026 | $899 | $1,150 | 143,294 | |
| April 2026 | $905 | $1,153 | 164,569 | |
| May 2026 | $966 | $1,230 | 165,034 | |
| June 2026 | $1,010 | $1,285 | 174,012 |
County breakdown — June 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 |
|---|---|---|---|---|
| Wakulla County | $2,408 | $2,969 | 121 | |
| Franklin County | $2,365 | $3,005 | 226 | |
| Citrus County | $2,107 | $2,619 | 553 | |
| Monroe County | $2,105 | $2,627 | 4,089 | |
| Taylor County | $1,897 | $2,379 | 49 | |
| Charlotte County | $1,875 | $2,328 | 4,235 | |
| Levy County | $1,827 | $2,293 | 110 | |
| Lee County | $1,733 | $2,157 | 13,665 | |
| Pinellas County | $1,669 | $2,064 | 11,973 | |
| Gulf County | $1,609 | $2,071 | 177 | |
| Hernando County | $1,432 | $1,804 | 395 | |
| Hillsborough County | $1,405 | $1,776 | 6,996 | |
| Collier County | $1,378 | $1,729 | 10,222 | |
| Dixie County | $1,369 | $1,757 | 58 | |
| Manatee County | $1,365 | $1,720 | 4,162 | |
| Sarasota County | $1,273 | $1,606 | 6,539 | |
| Pasco County | $1,220 | $1,532 | 2,982 | |
| Putnam County | $1,143 | $1,464 | 114 | |
| Holmes County | $1,102 | $1,404 | 7 | |
| Indian River County | $1,086 | $1,393 | 1,769 | |
| Suwannee County | $1,009 | $1,372 | 68 | |
| St. Johns County | $1,008 | $1,301 | 2,892 | |
| Hendry County | $989 | $1,296 | 86 | |
| Union County | $950 | $1,216 | 10 | |
| Calhoun County | $936 | $1,401 | 2 | |
| Gilchrist County | $930 | $1,232 | 18 | |
| Martin County | $928 | $1,199 | 1,249 | |
| Clay County | $918 | $1,191 | 519 | |
| Leon County | $909 | $1,197 | 253 | |
| Duval County | $884 | $1,133 | 2,929 | |
| Hardee County | $881 | $1,173 | 11 | |
| Okaloosa County | $878 | $1,148 | 1,909 | |
| Okeechobee County | $861 | $1,125 | 111 | |
| Gadsden County | $841 | $1,079 | 16 | |
| Washington County | $829 | $1,088 | 6 | |
| Lafayette County | $827 | $1,104 | 12 | |
| DeSoto County | $823 | $1,076 | 48 | |
| Glades County | $813 | $1,045 | 16 | |
| Bradford County | $811 | $1,074 | 55 | |
| Columbia County | $810 | $1,069 | 61 | |
| Flagler County | $804 | $1,037 | 1,284 | |
| Madison County | $796 | $1,043 | 7 | |
| Baker County | $781 | $1,039 | 20 | |
| Walton County | $753 | $1,068 | 1,070 | |
| Santa Rosa County | $739 | $967 | 1,489 | |
| Jefferson County | $736 | $985 | 5 | |
| Escambia County | $728 | $957 | 2,106 | |
| Brevard County | $718 | $933 | 4,648 | |
| Jackson County | $672 | $903 | 12 | |
| St. Lucie County | $668 | $868 | 2,347 | |
| Miami-Dade County | $645 | $831 | 34,920 | |
| Hamilton County | $631 | $892 | 6 | |
| Lake County | $625 | $834 | 390 | |
| Nassau County | $603 | $806 | 1,623 | |
| Broward County | $593 | $776 | 19,469 | |
| Seminole County | $591 | $786 | 861 | |
| Palm Beach County | $577 | $768 | 13,206 | |
| Marion County | $569 | $780 | 386 | |
| Alachua County | $550 | $747 | 278 | |
| Volusia County | $549 | $735 | 4,493 | |
| Bay County | $543 | $725 | 3,029 | |
| Osceola County | $538 | $745 | 762 | |
| Polk County | $524 | $721 | 803 | |
| Orange County | $509 | $710 | 1,664 | |
| Sumter County | $494 | $682 | 323 | |
| Highlands County | $449 | $627 | 98 |
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 (NFIP Redacted Policies v3).
"Florida Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, June 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/florida
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.