Home insurance in Florida

Navigate Florida's hurricane-driven insurance market - from wind mitigation credits to flood zones and Citizens Property Insurance.

Free report: flood zone, wind, wildfire and earthquake risk, plus your Insurability Score.

Towns covered: 10
Counties: 7
Median home value: $248K–$1.2M

What insurers look at

What shapes home insurance in Florida

Two homes a few miles apart can get very different quotes. These are the hazards that drive most of the difference here.

Hurricane Exposure

Florida is the most hurricane-prone state in the US. Wind mitigation inspections, roof age, and opening protection directly impact premium and carrier availability. Most carriers require wind mitigation credits.

How we assess risk

Citizens Property Insurance

Citizens is Florida's state-run insurer of last resort. It serves policyholders unable to find private coverage, with depopulation programs encouraging transition back to private carriers.

How we assess risk

Flood Zones

Florida has more NFIP policies than any other state. Flood insurance is separate from homeowners and is required for properties in FEMA-designated Special Flood Hazard Areas (A and V zones).

How we assess risk

Towns we cover in Florida

Each town page has local risk data, typical home values and brokers who work there. Any Florida address can still get a full report.

Pins show where each town is. Select a pin or a town to highlight it.

Don’t see your town?

We’re adding Florida towns regularly. Any address in the state can already get a full risk report.

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Guides for Florida homeowners

Wind & flood · Florida

Does Home Insurance Cover Hurricane Damage? What's Covered, What Isn't, and Why It's Complicated

Standard homeowners insurance isn't a "hurricane policy" — it responds to specific perils like wind, not to the storm itself. Whether your home is covered depends on which part of the hurricane caused the damage, where your home sits, and what your carrier's underwriting appetite looks like for your specific address.

Read the guide · 8 min

FloodWhat flood zone am I in?MethodologyHow the Insurability Score works All articlesBrowse every guide on the Underwrite blog

For homeowners

Work with a broker who knows Florida

Wind deductibles, flood policies and older-home inspections are easier with someone local. Compare licensed brokers by town and specialty.

Find a broker in Florida

For insurance professionals

Claim your Florida region

Build a public profile, appear on town pages like these, and connect with homeowners and real estate agents in your market.

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Florida home insurance questions

Does homeowners insurance cover flooding in Florida?

No. Standard homeowners policies exclude flood, including storm surge. Flood coverage is a separate policy from the National Flood Insurance Program or a private flood insurer. Lenders require it for federally backed mortgages on homes in high-risk flood zones.

What is a windstorm or hurricane deductible?

Some policies, especially near the coast, apply a separate deductible to wind or named-storm damage. It is often a percentage of the dwelling coverage rather than a flat amount, so it can be much larger than the all-other-perils deductible. Your declarations page shows which applies.

What if I can’t find standard coverage?

A broker can approach surplus-lines carriers, which write risks standard carriers decline, and your state’s FAIR Plan where one exists, the insurer of last resort for basic property coverage. Coverage and consumer protections can differ from a standard policy, so compare carefully.

Is earthquake covered?

Not by a standard homeowners policy. Earthquake coverage is usually added by endorsement or bought as a separate policy, with its own deductible.

General information, not insurance or legal advice. Coverage depends on the policy and carrier. Risk ratings describe hazards, not whether a loss will happen or whether a home will qualify for coverage.