Florida homeowners insurance · Official data, clear choices · 
Published by Bright Coast Insurance
What flood insurance costs in Florida counties
These figures are medians from OpenFEMA's public NFIP data for single-family policies effective June 2026. They show patterns, not your price.
A licensed Bright Coast agent quotes you directly
Last checked 2026-11-01 against Florida OIR, OpenFEMA and official Florida sources.
How much does NFIP flood insurance cost in Lee, Collier and Miami-Dade?
The NFIP flood policy median (federal flood only) is shown in the county table with policy counts. It covers single-family policies effective June 2026 from OpenFEMA. Current flood zones determine the splits; groups below 30 policies are hidden. Individual quotes vary.
Sample sizes: 7,310 single-family policies in Lee, 4,414 in Collier and 13,895 in Miami-Dade, all effective 2026-06-01 to 2026-06-30.
Policy cost includes the calculated premium, reserve fund assessment, federal policy fee and HFIAA surcharge. Occupancy type 11 means single-family residential, excluding mobile homes.
Private flood and voluntary market prices are not included.
Source: OpenFEMA: FIMA NFIP Redacted Policies v3 — Checked: 2026-11-01
Does flood insurance cost more inside the SFHA?
The NFIP flood policy median (federal flood only) is shown in the county table with policy counts. It covers single-family policies effective June 2026 from OpenFEMA. Current flood zones determine the splits; groups below 30 policies are hidden. Individual quotes vary.
The current mapped flood-zone splits exclude records with missing or unclassified zones. See the table for the policy count supporting each median.
Fewer sat outside: 1,665 in Lee, 1,194 in Collier and 1,482 in Miami-Dade.
Check your own zone with Bright Coast's flood zone lookup before comparing.
Source: OpenFEMA: FIMA NFIP Redacted Policies v3 · Bright Coast Florida flood zone lookup — Checked: 2026-11-01
How much can a CRS discount take off Florida flood insurance?
It depends on your community's class and whether you're inside the SFHA. In OpenFEMA's Community Status Book, Miami-Dade County and Monroe County are class 3, with 35% off inside the SFHA and 10% outside. Lee, Collier and Charlotte counties are class 5, with 25% and 10%.
Cities have their own classes. In Lee County, Estero and Fort Myers are class 6, with 20% inside the SFHA and 10% outside.
In Collier County, Everglades City is class 9, with 5% both inside and outside the SFHA.
Community Status Book data was refreshed 2026-10-22 for Lee and Miami-Dade and 2026-08-25 for Collier.
Source: OpenFEMA: NFIP Community Status Book — Checked: 2026-11-01
What does the flood insurance penetration rate mean?
It's the share of residential structures with an NFIP contract in force. As of 2026-08-03, OpenFEMA puts it at 24.2% in Lee County, 29.5% in Collier County and 33.4% in Miami-Dade County. Inside the SFHA, it was 47.5% in Lee and 74.5% in Miami-Dade.
We don't show Collier's SFHA rate. OpenFEMA reports 152 SFHA structures against 38,559 SFHA contracts there, which can't be right.
A low rate means many homes have no NFIP contract. It doesn't tell you whether they carry private flood, since that isn't in this data.
Source: OpenFEMA: NFIP Residential Penetration Rates — Checked: 2026-11-01
OpenFEMA · June 2026 · Single-family
Add flood to your homeowners policy
Bright Coast quotes private flood markets as well as NFIP.
NFIP flood policy median (federal flood only) · reference only, not our price or a quote.
| County | A/AE · NFIP flood policy median (federal flood only) | V/VE · NFIP flood policy median (federal flood only) | X · NFIP flood policy median (federal flood only) |
|---|---|---|---|
| Lee County | $2,036 3,088 policies | $1,706 61 policies | $1,264 1,224 policies |
| Collier County | $1,908 1,110 policies | — | $1,267 755 policies |
| Miami-Dade County | $941 3,722 policies | — | $1,252 865 policies |
| Charlotte County | — | — | — |
| Hendry County | — | — | — |
| Broward County | — | — | — |
| Monroe County | — | — | — |
Source: OpenFEMA Redacted Policies v3. Occupancy type 11; effective June 1–30, 2026. Split uses the current floodZone field, named floodZoneCurrent in v3, rather than ratedFloodZone. Medians use policyCost (premium plus federal fees and assessments); counts sum policyCount. Zones other than A/AE, V/VE and X, and unknown zones, are excluded from splits. Groups with fewer than 30 policies are hidden; — means no publishable sample. Federal flood only, not homeowners, private flood or association master-policy prices. Retrieved November 1, 2026.
Asked every week
Quick answers
Why is Miami-Dade's median flood cost lower than Lee's?
The NFIP flood policy median (federal flood only) is shown in the county table with policy counts. It covers single-family policies effective June 2026 from OpenFEMA. Current flood zones determine the splits; groups below 30 policies are hidden. Individual quotes vary.
Is the median flood cost what I'll pay?
No, a median is the middle of many real policies, not a quote. Many single-family policies in OpenFEMA's June 2026 sample cost more and many cost less. Your price depends on your property, zone and coverage, and private flood prices are not in this data at all.
Which Florida counties have the biggest CRS discount?
Among the counties we cover, Miami-Dade County and Monroe County do, at class 3. That gives 35% off NFIP premiums inside the SFHA and 10% outside, per OpenFEMA's Community Status Book. By comparison, Hendry County is class 8, with 10% inside the SFHA and 5% outside.
Do these figures include private flood insurance?
No, they cover NFIP policies only. OpenFEMA's redacted policies data does not include private flood or voluntary market prices, so the medians here can't tell you what a private policy would cost.
From our publisher
Compare Florida home, flood and auto quotes with Bright Coast
Tell us what you want to insure. A licensed agent reviews it and calls you back.
Or call (239) 475-0361