How Much Is Hurricane Insurance in Florida?
Living in Florida means sunshine and beaches—but also a high risk of hurricanes. With storm season becoming more intense, homeowners and property investors often ask: how much is hurricane insurance in Florida? This blog dives into the average cost, influencing factors, and what you need to know to stay protected financially.
Whether you’re a new homeowner or have been in Florida for years, understanding the cost of hurricane insurance is crucial for long-term property protection and peace of mind.
What Is Hurricane Insurance?
Hurricane insurance isn’t a standalone policy. Instead, it’s typically a combination of:
- Homeowners insurance (covers wind damage, depending on the provider)
- Flood insurance (backed by the National Flood Insurance Program or private insurers)
- Windstorm insurance (in high-risk areas where standard policies exclude wind)
Each piece comes with its own cost and coverage limits. Knowing how these work together is key to understanding the full cost of hurricane protection.
Average Cost of Hurricane Insurance in Florida
Statewide Averages and Breakdown
On average, Florida homeowners pay $2,000–$4,000 annually for hurricane-related coverage. Here’s a breakdown:
- Homeowners Insurance (Wind Coverage): $1,500–$2,500 per year
- Flood Insurance: $600–$1,200 per year (higher in flood-prone zones)
- Windstorm Policy (if separate): $700–$2,000 annually
Costs vary greatly depending on your zip code, home value, construction type, and deductible.
Key Factors That Influence Cost
- Location (Proximity to coastlines or flood zones)
- Flood Zone Rating (e.g., AE, VE, X)
- Age and structure of the home
- Roof type and condition
- Claims history
- Hurricane deductible percentage (commonly 2%–5%)
Understanding Florida’s Flood Zones and Their Impact on Insurance
If your property falls within Flood Zone AE, which is a high-risk area designated by FEMA, you are required to purchase flood insurance if you have a mortgage. Rates in Flood Zone AE are among the highest due to elevated flood risks.
You can check your flood zone through FEMA’s Flood Map Service Center: https://msc.fema.gov
Why Is Hurricane Insurance More Expensive in Florida?
Florida experiences more hurricanes than any other state. Insurers face frequent and costly claims, especially after storms like Hurricane Ian or Irma. As a result:
- Premiums are higher than the national average
- Many insurers have left the state, limiting options
- Citizens Property Insurance (state-run insurer) often becomes the last resort
Despite the cost, the risk of going uninsured—or underinsured—can be financially devastating.
Tips to Reduce Hurricane Insurance Costs
Improve Your Home’s Resilience
- Install impact-resistant windows and doors
- Upgrade your roof to wind-rated standards
- Use storm shutters or hurricane clips
Increase Your Deductible
Higher deductibles usually result in lower premiums, but be sure it’s an amount you can afford out of pocket.
Shop Around Annually
Compare rates from private insurers, Citizens Property Insurance, and federal programs to get the best price for your needs.
What Does Hurricane Insurance Cover?
Depending on your policy:
- Wind Damage – roofs, siding, fences
- Water Damage – only if from flooding (requires flood insurance)
- Loss of Use – if your home is uninhabitable post-storm
- Personal Property – contents inside the home
Always read the exclusions and ask your agent about gaps.
What If Your Hurricane Claim Is Denied?
Denied claims are more common than homeowners expect, especially after widespread disasters. When that happens:
- Review your policy to understand denial reasons
- Collect evidence (photos, contractor reports)
- Contact a public adjuster or insurance claim attorney for guidance
- File an appeal with supporting documentation
Working with a professional can significantly increase your chances of a fair settlement.
FAQ: How Much Is Hurricane Insurance in Florida?
What is the average cost of hurricane insurance in Florida?
Most homeowners pay between $2,000–$4,000 annually when combining homeowners, windstorm, and flood coverage.
Is flood insurance required in Florida?
Yes, flood insurance is mandatory if your property is in a high-risk flood zone (like AE) and financed through a federally regulated lender.
Can I buy hurricane insurance from any provider?
Not always. Some private insurers have stopped covering Florida due to risk. If you’re denied, Citizens Property Insurance may be your alternative.
Does my regular home insurance include hurricane damage?
Partially. It may cover wind damage but usually excludes flood damage, which you must purchase separately.
What happens if I can’t afford hurricane insurance?
You may qualify for assistance programs or mitigation credits. Always speak to a licensed insurance professional before reducing or dropping coverage.
How do I know if I’m in a flood zone?
You can check your flood zone using FEMA’s flood maps at https://msc.fema.gov
Final Thoughts: Is Hurricane Insurance Worth It?
Absolutely. The real question isn’t “how much is hurricane insurance in Florida?”—but how much will it cost you if you’re not protected. With storms becoming more intense and unpredictable, even inland properties are at risk.
Don’t gamble with your home or your future—investing in hurricane insurance provides both financial security and peace of mind.
Call to Action
Need help navigating your hurricane coverage or recent claim? Understand Florida’s Public Adjuster Fees and see how professionals can help fight for the settlement you deserve.
