How much is it for flood& homeowners insurance in florida

Homeowner’s and flood insurance are more expensive in Florida because of the high incidence of hurricanes and water-related damage. Insurance cost depends on location, so if you live on or close to the beach, premiums will be higher. Coastal rates can run as high as $10,000 annually, but inland properties cost about half that.

To find out what flood insurance costs for your specific address, use the One-Step Flood Risk Profile at It will provide premium costs for various levels of coverage based upon the flood zone in which the property address resides. The average flood insurance premium for the state is $450 annually, but rates will be higher on the coast.


Comparing the Average Home Owners Insurance Rates By State

One-Step Flood Risk Profile

FEMA: Florida Residents Urged To Purchase Flood Insurance As New Hurricane Season Nears