Coastal Florida Windstorm Insurance
Broward, Miami-Dade, and Palm Beach homeowners face the highest windstorm rates in Florida — and the most coverage gaps. Here's how to get properly covered.
Why Coastal Florida Is Different
Homes within 1 mile of the coast in Florida's high-velocity hurricane zones (HVHZ) — which includes all of Miami-Dade and Broward counties — face stricter building codes, higher premiums, and fewer carrier options than inland properties.
Broward County
$2,800–$4,800/yr
Fort Lauderdale, Hollywood, Pompano Beach
Miami-Dade County
$3,200–$5,500/yr
Miami, Hialeah, Coral Gables
Palm Beach County
$2,600–$4,200/yr
West Palm Beach, Boca Raton, Delray Beach
Get a Coastal Florida Quote
Our agents specialize in coastal Florida windstorm coverage. Compare rates from carriers that actually write policies in your area.