As of 2015, the average cost of hurricane insurance in Florida is approximately $166 per month. The average yearly cost is approximately $2000, as compared to the national average of $952.
Since 2005, homeowners insurance rates have steadily risen 50 percent throughout the United States. Florida now has the highest average homeowners insurance rates in the country, and rates are 98 percent more expensive than the national average. The average reflects the fact that Florida is more susceptible to large-scale natural disasters than most other states. Similarly, the gulf states of Mississippi, Louisiana and Texas follow Florida with the most expensive homeowners insurance rates.