Florida / 2026 Tracker
Florida home insurance renewal increases.
Anonymous community reporting for homeowners reviewing hurricane, wind, roof, mitigation discount, and nonrenewal signals.
Published median change
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RateReceipt asks for Florida, renewal month, and two annual premium totals for premium reports. You can also report a nonrenewal, coverage restriction, or deductible increase without entering your insurer, ZIP code, address, or documents.
Why Florida home insurance renewals rise the most
Florida premiums are shaped by hurricane exposure, the cost of reinsurance that carriers buy to cover catastrophe years, and a long history of roof-claim and litigation losses. When reinsurance gets more expensive, that cost flows into renewals even in a year with no major storm.
After the 2022–2023 legislative changes, several insurers became insolvent and others tightened underwriting, but new carriers have also entered the market through 2025–2026. That churn means two neighbors can see very different renewals, so compare your own annual premium year over year rather than headlines.
- Old annual premium vs. new annual premium (not the monthly escrow figure)
- Whether your roof moved to actual cash value or an age-based schedule
- Whether your hurricane deductible percentage changed
Read your hurricane deductible before the price
Florida policies carry a separate hurricane or windstorm deductible that is usually a percentage of the dwelling limit (commonly 2%, 5%, or 10% of Coverage A), not a flat dollar amount. On a $400,000 dwelling, a 2% hurricane deductible is $8,000 before the policy pays for storm damage.
By Florida law the hurricane deductible generally applies only once per calendar year rather than per storm, while a separate all-other-perils deductible applies to non-hurricane claims. Confirm both numbers on your declarations page so a lower premium is not just a higher deductible in disguise.
Roof age and wind mitigation can change the number
Roof age is one of the strongest underwriting factors in Florida. Older roofs can trigger nonrenewal, a separate roof deductible, or actual-cash-value roof settlement that pays depreciated value after a loss.
A wind mitigation inspection documents features like roof shape, roof-deck attachment, and opening protection that can lower the wind portion of your premium. The state's My Safe Florida Home program has offered free inspections and matching grants for hardening. Use the renewal tools or read the Florida renewal checklist before you pay.
Florida issue watch
Homeowners in Florida should compare the new price with limits, deductibles, settlement terms, endorsements, exclusions, discounts, and any notice language that changes coverage availability.
Use the renewal tools, open Florida nonrenewal help, or read Florida renewal checklist.
Official Florida resources
Use official regulator resources when you need consumer assistance, complaint information, or state-specific explanations.
Common questions
Why did my Florida premium jump even without a claim?
Reinsurance and catastrophe costs are spread across all policyholders, so renewals can rise after expensive storm seasons anywhere in the state even if you personally had no claim.
What is a hurricane deductible?
It is a separate deductible, usually 2%–10% of your dwelling limit, that applies to hurricane damage. In Florida it generally applies once per calendar year rather than per storm.
Can anyone get Citizens insurance?
Citizens is for homeowners who cannot find comparable private coverage within a set price range. It is a last-resort option, not a guaranteed cheapest choice, and it can send offers to move you to a private carrier.
Read results carefully
Community reports are self-submitted and can vary with coverage, deductible, rebuilding costs, mitigation, location, and hazard exposure. Review the methodology and data standards before drawing conclusions.