Incredible Homeowners Insurance Florida Average 2023. The growing cost of catastrophes has led to increased rates across the country. Web friedlander said the average florida homeowner is paying $4,231 for their property insurance, which is nearly triple the national rate of $1,544.

How to decide where to live. The iii states the national average cost of home insurance is $1,272 per year, which is a good deal lower than the cost of coverage in florida. The growing cost of catastrophes has led to increased rates across the country.