Check your county’s average home insurance cost, increases since 2022
Annual home insurance costs across Central Florida increased by an average of roughly 40 percent from 2022 to 2024, according to an analysis of data released by the Florida Office of Insurance Regulation.
The price increases occurred despite legislative reforms in 2022 to control legal fees that insurers said fueled an unprecedented rise in costly litigation. Proponents predicted rates would fall in two years, and many have, but insurers say inflation of reconstruction costs and other factors have so far caused homeowners’ costs to continue to rise.
The percentage increases in Central Florida counties were around the midpoint statewide in as analysis of rates between March 2022 and September 2024. The highest increases came along the state’s west coast and in counties west of Jacksonville — the focus of heightened hurricane activity in recent years.
Average rates here remain lower than in many other regions, thanks to the Orlando area’s location away from both coasts.
Still, that’s cold comfort for those who have been forced to reach deeper into their pockets over such a short period of time. Here’s the tally for the Orlando region, county by county.