Flood insurance in Florida: cost by ZIP code and county
Florida holds 887,941 single-family flood policies, about 32 % of the country; the median bill was $1,034 on July 31, 2026.
Median single-family flood bill, Florida
$1,034
887,941 policies in force on July 31, 2026, premium and fees included.
| Median full-risk price, same policies | $1,276 |
| Policies still below their full-risk price | 49 % |
| Median paid in August 2023 | $776 |
| Increase left from the median | 2 renewals at 18 % |
| Next five bills, added up | $6,311 |
| Median claim paid, 2016 to 2025 (118,779 claims) | $62,518 |
Compiled by Radif Partners · Where the numbers come from · 911 ZIP codes and 67 counties of Florida in FEMA's tables · not a quote
The median single-family flood bill in Florida was $1,034 a year on July 31, 2026, counting premium, Reserve Fund Assessment, HFIAA surcharge and Federal Policy Fee, for 887,941 policies in force. That is a little under the national median of $1,081, a surprise for the state with the most policies by far. One factor is the mix: 325,708 Florida policies sit in X zones, where the median is $822 and already close to full price. Lee and Collier counties are another market. Lee County pays a median $1,779 with a full-risk median of $4,333, and 72 % of its policies are still below full price; Collier County is at 81 %. Statewide, 49 % of policies are capped and the full-risk median is $1,276. Paid single-family claims from 2016 to 2025 had a median of $62,518.
A third of the national program lives here
No other state comes close to Florida's policy count. The 887,941 single-family policies in force on July 31, 2026 are roughly 32 % of all such policies in the country, and they are spread over 67 counties and 911 ZIP codes. Miami-Dade alone has 149,819, Broward 110,448. Those two counties pay less than the state median, $912 and $858, and their bills are near their full-risk level already. Palm Beach County is the clearest case: only 29 % of its policies pay less than full price.
Lee, Collier and Pinellas still have years of increases
The picture flips in Lee, Collier and Pinellas counties, where the gaps to full price are large. In Lee County the full-risk median is more than twice the bill paid today, and a main home at the county median would need 6 more renewals at the 18 % cap to reach it. Pinellas has a median bill of $1,528 against $2,736 at full risk. FEMA counted 88 % of Florida's 2023 single-family policies as exposed to storm surge, against 61 % nationally.
Renewals left for a Lee County home at the county medians
Renewals before your bill reaches the full-risk price
6 renewals
| Renewal 1 (capped) | $2,086 |
| Renewal 2 (capped) | $2,449 |
| Renewal 3 (capped) | $2,877 |
| Renewal 4 (capped) | $3,381 |
V zones cost the most and are furthest behind
Only 8,782 Florida policies are rated in coastal high hazard V zones, but their median bill is $2,387, and their median full-risk price, $4,814, is about double. A zones carry the bulk of the market, 553,420 policies at a median $1,161. The zone still decides whether a lender requires a policy, as explained in flood zones explained, whatever the bill.
Florida median bill by zone type
Median yearly cost, V zones, Florida
$2,387
| Same zone type, whole country | $1,796 |
| A zones in Florida | $1,161 |
| X, B, C zones in Florida | $822 |
Three hurricanes, three very different claim files
Hurricane Helene in 2024 produced 37,805 paid single-family claims, Hurricane Ian in 2022 28,066, and Hurricane Milton 11,844. Together they account for $8,086,938,971 paid on Florida homes. Claims are large here: the state median of $62,518 compares with $42,494 for the country, and Pinellas County's median claim reached $110,441. Most of the money went to A zone homes, 104,376 claims at a median of $68,132.
The price bands tell the same story from the other end: 39 % of Florida's 2023 policies had a full-risk price under $1,000, while a long tail runs past several thousand dollars a year. A quote for one house comes from a licensed agent or insurer; the rate increase page shows how a capped bill climbs.
The Florida counties with the most policies
| County | Policies | Median bill | Full-risk median | Still below full risk | Renewals left at 18 % | Median bill, August 2023 | Median claim 2016-2025 |
|---|---|---|---|---|---|---|---|
| Miami-Dade County | 149,819 | $912 | $1,095 | 46 % | 2 | $670 | $16,751 |
| Broward County | 110,448 | $858 | $896 | 44 % | 1 | $733 | $28,324 |
| Lee County | 68,121 | $1,779 | $4,333 | 72 % | 6 | $1,089 | $70,561 |
| Palm Beach County | 58,216 | $713 | $720 | 29 % | 1 | $682 | $11,632 |
| Pinellas County | 58,765 | $1,528 | $2,736 | 53 % | 4 | $1,165 | $110,441 |
| Hillsborough County | 47,323 | $1,168 | $1,941 | 51 % | 4 | $799 | $97,926 |
| Collier County | 41,354 | $1,339 | $3,690 | 81 % | 7 | $853 | $48,324 |
| Sarasota County | 29,280 | $1,134 | $1,419 | 48 % | 2 | $799 | $65,462 |
Full-risk prices of Florida homes, band by band
| Full risk-based price a year | Policies | Share | Median rebuild value |
|---|---|---|---|
| $0 to $1,000 | 349,039 | 39.0 % | $391,020 |
| $1,000 to $2,000 | 204,079 | 22.8 % | $391,948 |
| $2,000 to $3,000 | 105,427 | 11.8 % | $400,040 |
| $3,000 to $4,000 | 66,484 | 7.4 % | $403,979 |
| $4,000 to $5,000 | 52,891 | 5.9 % | $380,742 |
| $5,000 or more | 116,699 | 13.0 % |
The floods that paid the most Florida claims since 2016
| Event (FEMA name) | Year | Paid claims | Paid in total |
|---|---|---|---|
| Hurricane Helene | 2024 | 37,805 | $4,559,608,739 |
| Hurricane Ian | 2022 | 28,066 | $2,721,483,138 |
| Hurricane Milton | 2024 | 11,844 | $805,847,094 |