Housing
Florida vs Texas: Home Insurance Cost
Texas has cheaper average home insurance than Florida by $3,386.
National Rankings
Where They Rank Nationally
See where both states fall among all 50 states for home insurance cost.
Florida
#50 · $10,240/yr
Texas
#47 · $6,854/yr
Best
Worst
10 Best States — Home Insurance Cost
Lower is better
#1
Hawaii
$601/yr
Hawaii
#2
Delaware
$976/yr
Delaware
#3
Vermont
$1,054/yr
Vermont
#4
Oregon
$1,083/yr
Oregon
#5
New Hampshire
$1,152/yr
New Hampshire
#6
Nevada
$1,212/yr
Nevada
#7
Alaska
$1,323/yr
Alaska
#8
California
$1,348/yr
California
#9
Wisconsin
$1,388/yr
Wisconsin
#10
Maine
$1,424/yr
Maine
Selected states
#50
Florida
$10,240/yr
Florida
#47
Texas
$6,854/yr
Texas
Florida ranks 50th and Texas ranks 47th nationally for home insurance cost.
What this means
Florida vs Texas: Home Insurance Cost in context
Texas's home insurance cost is $6,854/yr, compared with $10,240/yr in Florida. Average annual home insurance premium for $250,000 in dwelling coverage (MoneyGeek 2026).
Florida
$10,240/yr
Texas
$6,854/yr
Difference
$3,386
People also ask
Florida vs Texas Home Insurance Cost — common questions
QWhat is Florida's home insurance cost?
Florida's home insurance cost is $10,240/yr.
QWhat is Texas's home insurance cost?
Texas's home insurance cost is $6,854/yr.
QWhich state has a lower home insurance cost — Florida or Texas?
Texas has cheaper average home insurance than Florida by $3,386.
More comparisons: Florida vs Texas
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Data source and freshness
Primary source
Data period
2026 comparison
Dataset reviewed
July 23, 2026
Method note
Illustrative annual premium for the stated dwelling coverage; actual quotes vary.