Flood insurance cost by Florida county
All 67 Florida counties, ordered by median premium from the most expensive down. Coastal counties sit at the top for reasons the numbers make obvious. Counties marked as a small sample carry too few policies to rank, and their figures are indicative.
| # | County | 25th pct | Median | 75th pct | Policies |
|---|---|---|---|---|---|
| 1 | Levy County | $902 | $1,727 | $3,799 | 2,020 |
| 2 | Charlotte County | $1,117 | $1,705 | $2,722 | 98,391 |
| 3 | Monroe County | $955 | $1,700 | $3,643 | 65,907 |
| 4 | Lee County | $932 | $1,437 | $2,576 | 247,573 |
| 5 | Pinellas County | $810 | $1,425 | $3,166 | 203,801 |
| 7 | Franklin County | $1,004 | $1,382 | $3,398 | 6,840 |
| 6 | Wakulla County | $930 | $1,382 | $3,394 | 3,572 |
| 8 | Gulf County | $930 | $1,234 | $1,916 | 5,287 |
| 9 | Citrus County | $706 | $1,186 | $2,929 | 14,172 |
| 10 | Collier County | $835 | $1,138 | $1,743 | 153,288 |
| 11 | Taylor County | $780 | $1,129 | $2,605 | 1,305 |
| 12 | Calhoun County | $798 | $1,076 | $1,397 | 226 |
| 13 | Dixie County | $743 | $1,043 | $2,416 | 911 |
| 14 | Putnam County | $795 | $1,035 | $1,480 | 2,645 |
| 15 | Sarasota County | $798 | $1,012 | $1,624 | 103,196 |
| 16 | Hillsborough County | $695 | $1,002 | $1,945 | 163,874 |
| 17 | St. Johns County | $761 | $929 | $1,172 | 71,141 |
| 18 | Holmes County | $729 | $925 | $1,206 | 245 |
| 19 | Nassau County | $736 | $917 | $1,145 | 20,119 |
| 20 | Lafayette County | $714 | $917 | $1,289 | 365 |
| 21 | Hendry County | $749 | $910 | $1,116 | 1,922 |
| 22 | Gilchrist County | $722 | $908 | $1,372 | 504 |
| 23 | Clay County | $778 | $900 | $1,084 | 13,965 |
| 24 | Suwannee County | $710 | $895 | $1,123 | 1,072 |
| 25 | Flagler County | $617 | $870 | $1,117 | 25,252 |
| 26 | Okaloosa County | $648 | $866 | $1,130 | 23,880 |
| 27 | DeSoto County | $648 | $846 | $1,162 | 1,156 |
| 28 | Manatee County | $616 | $845 | $1,485 | 74,255 |
| 29 | Washington County | $654 | $844 | $1,062 | 321 |
| 30 | Indian River County | $662 | $840 | $1,210 | 39,661 |
| 31 | Walton County | $653 | $835 | $1,141 | 26,709 |
| 32 | Duval County | $692 | $832 | $1,068 | 69,708 |
| 33 | Hardee County | $630 | $832 | $1,149 | 315 |
| 34 | Pasco County | $624 | $827 | $1,694 | 63,861 |
| 35 | Bradford County | $651 | $827 | $1,066 | 1,176 |
| 36 | Volusia County | $657 | $820 | $1,044 | 74,019 |
| 37 | Okeechobee County | $649 | $818 | $1,077 | 3,571 |
| 38 | Martin County | $653 | $814 | $1,084 | 30,240 |
| 39 | Glades County | $667 | $813 | $1,043 | 461 |
| 40 | Leon County | $644 | $813 | $1,057 | 8,041 |
| 42 | Gadsden County | $681 | $810 | $1,065 | 278 |
| — | Liberty Countysmall sample | $684 | $810 | $956 | 42 |
| 43 | Jackson County | $645 | $809 | $1,084 | 316 |
| 45 | Bay County | $614 | $808 | $1,125 | 40,064 |
| 44 | Hamilton County | $641 | $808 | $1,111 | 118 |
| 46 | Escambia County | $601 | $801 | $1,106 | 30,962 |
| 47 | Broward County | $666 | $800 | $1,031 | 341,176 |
| 48 | Hernando County | $608 | $800 | $1,766 | 10,919 |
| 49 | Baker County | $648 | $798 | $1,070 | 376 |
| 50 | Brevard County | $615 | $797 | $971 | 93,298 |
| 51 | Columbia County | $615 | $795 | $1,051 | 1,839 |
| 52 | Miami-Dade County | $608 | $795 | $1,082 | 523,931 |
| 53 | Santa Rosa County | $576 | $793 | $1,074 | 34,973 |
| 54 | Jefferson County | $635 | $773 | $992 | 192 |
| 55 | Union County | $608 | $759 | $1,058 | 135 |
| 56 | Madison County | $627 | $742 | $931 | 232 |
| 57 | Seminole County | $575 | $726 | $896 | 20,789 |
| 58 | Palm Beach County | $525 | $700 | $928 | 204,603 |
| 59 | Lake County | $542 | $692 | $873 | 11,147 |
| 60 | Alachua County | $545 | $689 | $859 | 6,437 |
| 61 | Osceola County | $553 | $663 | $793 | 25,070 |
| 62 | Polk County | $522 | $648 | $797 | 20,343 |
| 63 | St. Lucie County | $535 | $647 | $841 | 32,096 |
| 64 | Orange County | $526 | $640 | $797 | 41,219 |
| 65 | Sumter County | $505 | $604 | $742 | 8,954 |
| 66 | Marion County | $481 | $596 | $780 | 9,999 |
| 67 | Highlands County | $483 | $588 | $743 | 2,915 |
Official source figures, as of 14 August 2026. Calculated from National Flood Insurance Program policy records published by FEMA. These are premiums other policyholders paid, not a quote or an offer of coverage.