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Florida is Spanish for “Land of the Flowers”. This state is bordered by the Gulf of Mexico, Alabama, Georgia, and the Atlantic Ocean. Florida has the longest coastline in the contiguous United States. The climate varies from subtropical in the north and tropical in the south. The coastline is approximately 1,350 miles long. Due to Florida’s location along the coast, it is a main target for severe tropical storms. Homeowners insurance rates are expensive in Florida. This is because the state has been hit the most by hurricanes and tropical storms than any other state in the US. Florida is also a victim of tornadoes. The state average for a home policy is an estimated $1,963.

Do you ever wonder who receives the most affordable home insurance rates in Florida? Studies have shown that the counties with the best homeowners rates are in the northern half of the state. These sections of the state have the best rates because these areas experienced minimal high wind damage from hurricanes, tropical storms, and tornadoes. While other parts of the state were completely destroyed.

 

Where are the most expensive counties in Florida? The Florida counties with the most expensive coverage rates all have things in common. All the expensive counties of the state had a big amount of ocean front exposure. Living on the ocean front makes the homes more vulnerable to high winds from hurricanes and tropical storms. The counties were also in the southern half of the state.

 

Florida’s Major Cities

Jacksonville

Jacksonville is Florida’s largest city. The population of this city is 821,784. In 1840, Jacksonville only had a population of 350 residents. In 1901, this city hosted the first college football game in Florida. The game produced a crowd of 2,000 people. Jacksonville is located in Duval County. To insure your home is covered, rates are an average $1,238.

 

Miami

Miami is the fourth largest urban area in the US. It has a population of 5.5 million. It officially became a city in 1896. Julia Tuttle encouraged a railroad mogul to expand more into the area. This makes Miami the only major US city to be founded by a woman. Miami’s insurance rate average is one of the most expensive in the state. The price you will pay for coverage is $4,354.

 

Tampa

The city name of Tampa comes from the Calusa phrase “Sticks of Fire.” This is likely because Tampa experiences extreme lightning each summer. In this city, Babe Ruth hit a home run here, it sailed 587 feet, making it his longest home run ever. Homeowners insurance for you in this city will cost you $2,369.

 

St. Petersburg

St. Petersburg is the second largest city in the Tampa Bay Area, right after Tampa. This city is the fifth-most populous city in Florida. It is known as the Sunshine City because it has an average of 361 Sunny days per year. The Sunshine Skyway Bridge here is the western hemisphere’s largest suspension bridge. A home policy here will cost you around $2,425.

 

Orlando

Orlando is nicknamed “The City Beautiful”. It is also the theme park capital of the world. In 2014, the tourist attractions of the city drew in more than 62 million visitors. Orlando’s most famous attraction is Walt Disney World. It was opened in 1971. Insurance in this city will be an average of $1,536.

 

Hialeah

Hialeah is the sixth largest city in the state of Florida. It has the highest population of Cuban and Cuban American residents than any other cities in the US. It is also one of the largest Spanish speaking communities in the country. It is located in the Miami-Dade County, which will estimate your home insurance to be $4,354.

 

Tallahassee

Tallahassee is the capital of Florida. It is the 126th largest city in the US. Tallahassee is one of Florida’s hottest locations during the summer. It is one of the state’s few cities that hit a triple digit temperature. Tallahassee is in Leon County. Leon County has the lowest average cost of home insurance, $1,131.

 

Fort Lauderdale

Fort Lauderdale is 28 miles north of Miami. This city is a popular tourist destination, due to its average year round temperature of 75 degrees. More than 15.4 million people visited this city in 2015. Insurance rates in this city are, on average $3,359.

 

Port St. Lucie

St. Lucie has 21 miles of pristine beaches with over half of them being nature preserves. This is very rare compared to the rest of the Florida coastline. The climate of the city has an average temperature range of 63 to 83 degrees. Policies here for your home will cost you an average of $3,089.

 

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