Florida insurance by area

Insurance in Florida depends on where you live: the building code, the storms your area has seen, and your flood risk. These local guides cover what's specific to each area.

Miami-Dade County

Miami

What makes insurance different in Miami-Dade: the High-Velocity Hurricane Zone building code, the higher Citizens coverage cap, flood coverage and what to keep for wind credits.

Hillsborough County

Tampa Bay

What the 2024 hurricane season taught Tampa Bay homeowners about insurance: storm surge is flood, how the hurricane deductible works across two storms, and evacuation zones.

Orange County

Orlando

Why Orlando-area homes need hurricane and flood planning too: what Hurricane Ian's 2022 rainfall did in Orange County, and how hurricane deductibles and flood policies apply inland.

Duval County

Jacksonville

How Hurricane Irma's record St. Johns River flooding in 2017 changed the picture for Jacksonville homeowners, and what to know about flood coverage and evacuation zones.

Lee County

Fort Myers and Lee County

What Lee County homeowners should know after Hurricane Ian: storm surge and flood coverage, the FEMA 50% rule for repairs, and what to have ready when you shop.

Broward County

Fort Lauderdale and Broward

What shapes insurance in Broward: the High-Velocity Hurricane Zone building code, the record April 2023 rain flood, and why flood coverage matters even without a hurricane.

Palm Beach County

Why opening protection matters across Palm Beach County's wind-borne debris region, what Frances and Jeanne taught the region in 2004, and how hurricane deductibles work across two storms.

Pinellas County

St. Petersburg and Pinellas

What Hurricane Helene's 2024 storm surge means for Pinellas homeowners: repeat flooding in neighborhoods like Shore Acres, flood policies, the 50% rule and evacuation zones.

Sarasota County

What Sarasota County homeowners should know after Hurricane Milton made landfall near Siesta Key in 2024: storm surge, flood coverage and the hurricane deductible.

Charlotte County

Punta Gorda and Charlotte

What Hurricane Charley's 2004 Category 4 strike on Punta Gorda teaches Charlotte County homeowners about wind coverage, roofs and being insured before a storm turns.

Collier County

Naples and Collier

How Hurricanes Irma (2017) and Ian (2022) shaped insurance in Collier County: wind, storm surge in Naples and on Marco Island, and the flood coverage coastal homes need.

Monroe County

Florida Keys and Monroe

What's different about insuring a home in the Florida Keys: Citizens' higher $1 million limit in Monroe County, Hurricane Irma's Cudjoe Key landfall, and why flood coverage is essential.

Bay County

Panama City and Bay

What Hurricane Michael's 2018 Category 5 landfall near Mexico Beach means for Bay County homeowners: wind coverage, roofs, building to code and hurricane deductibles.

Escambia County

Pensacola and Escambia

What Hurricane Sally's 2020 flooding taught Escambia County homeowners: rain and surge flooding, flood coverage and why a storm can hit far from where it makes landfall.

Volusia County

Daytona Beach and Volusia

What Hurricanes Ian and Nicole did to Volusia County's coast in 2022, why beach erosion is a coverage gap, and what oceanfront owners should check in their policies.

Pasco and Hernando counties

Pasco and Hernando

Why sinkhole coverage matters in Pasco and Hernando, what Florida law requires insurers to cover (catastrophic ground cover collapse) and what optional sinkhole coverage adds.

St. Johns County

St. Augustine and St. Johns

How Hurricanes Matthew (2016) and Irma (2017) flooded downtown St. Augustine back to back, and what repeat flooding means for flood coverage in St. Johns County.

Brevard County

Space Coast and Brevard

What Hurricane Milton's 2024 tornadoes in Cocoa Beach mean for Brevard homeowners: how tornado damage is covered, when the hurricane deductible applies and protecting your roof.

Looking for a topic instead? See our Florida insurance guides.