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Published by Bright Coast Insurance
Florida insurance rates: what drives home, flood and auto costs
This hub pulls together what public sources actually say about Florida insurance costs. Where the data is missing, we say so.
A licensed Bright Coast agent quotes you directly
Last checked 2026-11-01 against Florida OIR, OpenFEMA and official Florida sources.
What affects Florida home insurance rates?
Many factors do, and one you control is the hurricane deductible. Florida insurers must offer hurricane deductible options of $500, 2 percent, 5 percent and 10 percent of dwelling limits, with some exceptions for higher limits. Ask how each option changes your premium and your out-of-pocket cost after a hurricane.
A policy with a separate hurricane deductible must say so on its face in bold 18-point type, warning it may result in high out-of-pocket expenses.
If a licensed insurer becomes insolvent, FIGA steps in to take over covered claims and issue eligible refunds.
Source: Florida Statutes s. 627.701 (hurricane deductibles) · Florida Insurance Guaranty Association (FIGA) — Checked: 2026-11-01
How much does flood insurance cost in Florida?
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.
Policy cost here includes the calculated premium, reserve fund assessment, federal policy fee and HFIAA surcharge, per FEMA's data dictionary.
Private flood and voluntary market prices are not in this data.
Source: OpenFEMA: FIMA NFIP Redacted Policies v3 — Checked: 2026-11-01
What car insurance does Florida require?
Florida requires at least $10,000 in Personal Injury Protection and $10,000 in Property Damage Liability for every vehicle with a current Florida registration. You must keep continuous coverage even if the vehicle is not driven, and you should surrender the plate before cancelling insurance.
PIP covers 80 percent of necessary and reasonable medical expenses up to $10,000 from a covered injury, no matter who caused the crash.
Source: FLHSMV: Florida insurance requirements — Checked: 2026-11-01
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Which Florida county had the highest median NFIP cost in your data?
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.
What is the CRS flood discount in my Florida county?
It depends on your community's Community Rating System class. Per OpenFEMA's Community Status Book, Miami-Dade County and Monroe County are class 3, with a 35% discount inside the SFHA and 10% outside. Lee, Collier and Charlotte counties are class 5, with 25% and 10%. City classes can differ.
What happens if my Florida home insurer goes insolvent?
FIGA steps in. The Florida Insurance Guaranty Association is the state-created safety net for when a licensed property and casualty insurer becomes insolvent. It takes over covered claims and issues eligible refunds. Its site, figafacts.com, explains the process and what counts as a covered claim.
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