Direct answer
It depends on your proximity to the coast and the age of your roof, as Florida’s high risk for hurricane damage significantly inflates average premiums compared to the national average.
Data derived from Florida Office of Insurance Regulation rate filings and actuarial loss projections for 2026. For additional information about state insurance oversight and rate analysis, see the Florida Office of Insurance Regulation.
What this means for you
It depends on your proximity to the coast and the age of your roof, as Florida’s high risk for hurricane damage significantly inflates average premiums compared to the national average.
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