Florida County by County Property Insurance

The Florida Office of Insurance Regulation issued its first Property Insurance Stability Report for 2023. On a county by county basis, it found Sumter County (West of Orlando) has the lowest average cost for single-family home property insurance at $1,533, while Monroe County (Key West) had the highest average cost at $7,162. 

Counties of Interest: Single Family/Condos

Okaloosa County (Destin, Ft. Walton Beach, Niceville, Crestview) - $3014/$1,418

Walton County (Santa Rosa Beach, 30A, Freeport, DeFuniak Springs) - $4,337/$1,619

Bay County (Panama City, Panama City Beach) - $2,737/$1,921

Gulf County (Port St. Joe) - $3,020/$1,338

Santa Rosa County (Narvarre, Milton, Pace) - $2,745/$1,477 

Escambia County (Pensacola, Perdio Key) -  $2,929/$1,471

Miami Dade County (Miami, Homestead) - $5,391/$2,440

Palm Beach County (West Palm Beach, Boca Raton, Delray Beach, Jupiter) - $5,247/$1,923

Collier County (Naples) - $4,230/$1,795

Hillsborough County (Tampa) - $2,513/$1,073

Orange County (Orlando) - $2,629/$960