Florida's insurance market is in crisis — but you still have options. We help Florida homeowners understand what's available, compare rates, and find coverage that actually protects them.
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Understanding why Florida insurance is so expensive is the first step to finding a solution.
Florida homeowners are facing one of the worst insurance crises in US history. Since 2020, over 30 insurance companies have either gone insolvent or voluntarily exited the Florida market — leaving millions of homeowners scrambling for coverage.
🚨 The average Florida home insurance premium hit $10,400/year in 2025 — more than triple the national average of $2,800/year. In South Florida, some homeowners are paying $20,000+ annually.
The crisis was driven by a perfect storm: increased hurricane frequency and severity, rampant insurance fraud and litigation (Florida accounted for 79% of all US home insurance lawsuits despite being just 9% of claims), and reinsurance costs skyrocketing globally after major weather events worldwide.
The result: insurers that stayed in Florida raised rates dramatically. Those that couldn't survive the losses left entirely. Citizens Insurance — Florida's state-backed insurer of last resort — swelled to 1.4 million policies, creating a massive state liability if a major hurricane strikes.
Florida's legislature passed significant insurance reform legislation in 2022 and 2023. Some private insurers have begun cautiously re-entering the market. But for most Florida homeowners in 2026, insurance remains expensive and options remain limited.
In-depth guides written specifically for Florida homeowners — updated for 2026.
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