Data · July 2026 data · 15-month trend
Florida Flood Insurance Costs
In July 2026, the average premium among Florida NFIP policies newly written or renewed that month was $981. That tracks the $986 national average almost exactly. The figure is up 7.2% year over year. In all, 172,823 policies were written or renewed across 66 counties that month, and Monroe County topped the county table at $2,371.
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 — July 2026
- Average premium
- $981
- Avg total cost (with fees)
- $1,252
- Change (year over year)
- +7.2%
- vs national average
- -0.4%
- Policies written or renewed
- 172,823
- Counties reporting
- 66
Florida trend, last 15 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 | |
| July 2026 | $981 | $1,252 | 172,823 |
County breakdown — July 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 |
|---|---|---|---|---|
| Monroe County — June 2026 profile | $2,371 | $2,965 | 2,854 | |
| Levy County | $2,223 | $2,761 | 79 | |
| Wakulla County | $2,105 | $2,610 | 113 | |
| Franklin County | $2,095 | $2,667 | 245 | |
| Citrus County | $2,028 | $2,529 | 609 | |
| Charlotte County — June 2026 profile | $1,915 | $2,372 | 4,119 | |
| Lee County — June 2026 profile | $1,717 | $2,142 | 12,069 | |
| Taylor County | $1,655 | $2,101 | 68 | |
| Gulf County | $1,539 | $2,006 | 183 | |
| Pinellas County — June 2026 profile | $1,452 | $1,804 | 12,515 | |
| Hillsborough County — June 2026 profile | $1,452 | $1,816 | 6,844 | |
| Hernando County | $1,348 | $1,706 | 454 | |
| Dixie County | $1,347 | $1,697 | 91 | |
| Sarasota County — June 2026 profile | $1,326 | $1,666 | 6,815 | |
| Collier County — June 2026 profile | $1,263 | $1,590 | 10,187 | |
| Manatee County — June 2026 profile | $1,247 | $1,581 | 4,389 | |
| Hamilton County | $1,232 | $1,638 | 2 | |
| Putnam County | $1,137 | $1,460 | 100 | |
| Lafayette County | $1,119 | $1,468 | 9 | |
| Pasco County — June 2026 profile | $1,110 | $1,407 | 2,884 | |
| Suwannee County | $1,087 | $1,452 | 44 | |
| Indian River County | $1,054 | $1,357 | 1,912 | |
| Calhoun County | $1,054 | $1,341 | 9 | |
| Gilchrist County | $1,042 | $1,322 | 11 | |
| St. Johns County — June 2026 profile | $948 | $1,226 | 3,330 | |
| Hardee County | $930 | $1,197 | 16 | |
| Martin County | $918 | $1,186 | 1,422 | |
| Madison County | $909 | $1,195 | 9 | |
| Nassau County | $894 | $1,173 | 761 | |
| DeSoto County | $892 | $1,158 | 53 | |
| Leon County | $890 | $1,178 | 328 | |
| Okeechobee County | $887 | $1,169 | 124 | |
| Escambia County — June 2026 profile | $873 | $1,145 | 1,649 | |
| Glades County | $869 | $1,111 | 18 | |
| Clay County | $868 | $1,113 | 534 | |
| Hendry County | $827 | $1,085 | 86 | |
| Union County | $825 | $1,045 | 4 | |
| Holmes County | $815 | $1,034 | 9 | |
| Flagler County | $806 | $1,035 | 1,383 | |
| Duval County — June 2026 profile | $802 | $1,037 | 3,612 | |
| Columbia County | $799 | $1,046 | 79 | |
| Baker County | $796 | $1,023 | 19 | |
| Washington County | $795 | $1,055 | 10 | |
| Bradford County | $785 | $1,041 | 52 | |
| Gadsden County | $769 | $1,055 | 6 | |
| Santa Rosa County | $763 | $1,002 | 1,444 | |
| Brevard County — June 2026 profile | $717 | $932 | 4,915 | |
| Seminole County | $709 | $935 | 849 | |
| Jackson County | $706 | $970 | 7 | |
| St. Lucie County — June 2026 profile | $686 | $902 | 1,798 | |
| Miami-Dade County — June 2026 profile | $684 | $882 | 33,279 | |
| Jefferson County | $656 | $869 | 10 | |
| Okaloosa County — June 2026 profile | $637 | $842 | 2,313 | |
| Broward County — June 2026 profile | $630 | $825 | 18,813 | |
| Lake County | $625 | $831 | 429 | |
| Volusia County — June 2026 profile | $605 | $801 | 5,198 | |
| Walton County | $589 | $840 | 1,266 | |
| Osceola County | $563 | $781 | 873 | |
| Polk County | $539 | $749 | 833 | |
| Bay County — June 2026 profile | $524 | $701 | 3,311 | |
| Marion County | $517 | $708 | 459 | |
| Palm Beach County — June 2026 profile | $516 | $692 | 14,196 | |
| Sumter County | $511 | $689 | 356 | |
| Highlands County | $497 | $703 | 118 | |
| Alachua County | $495 | $679 | 418 | |
| Orange County | $478 | $657 | 1,829 |
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, July 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.