Homeowners Insurance in Boca Raton, FL
For a home at Boca Raton's median value of $722,700, we estimate about $4,835 a year — +74% versus the Florida NAIC average of $2,779.
Estimated homeowners insurance cost in Boca Raton
Boca Raton's estimate reflects its home values (2.0 times the state median) and FEMA's hazard profile for Palm Beach County.
Natural hazard risk in Boca Raton
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 43.9 | Comprehensive (car); roof claims (home) | |
| Tornado | 93.8 | Comprehensive; dwelling | |
| Hurricane | 99.9 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 98.9 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 93.4 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 93.2 | Comprehensive; dwelling | |
| Winter weather | 0.0 | Collision (icy roads); frozen pipes (home) | |
| Wildfire | 95.3 | Comprehensive; dwelling | |
| Earthquake | 44.9 | Home needs a separate earthquake policy | |
| Lightning | 99.8 | Fire and electrical damage |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated premium by home value in Boca Raton
| Dwelling value | Wood frame | Brick / masonry |
|---|---|---|
| $200,000 | $1,730 | $1,590 |
| $300,000 | $2,395 | $2,205 |
| $500,000 | $3,605 | $3,315 |
| $750,000 | $4,985 | $4,585 |
Home Insurance Estimator
Homeowners insurance by ZIP code in Boca Raton
| ZIP | Median home value | Owner-occupied | Est. premium |
|---|---|---|---|
| 33496 | $708,300 | 83.5% | $4,760 |
| 33431 | $640,700 | 65.5% | $4,395 |
| 33486 | $664,100 | 72.5% | $4,520 |
| 33432 | $1,052,700 | 59.0% | $6,535 |
| 33487 | $632,100 | 73.2% | $4,345 |
Homeowners insurance in Florida · Car insurance in Boca Raton · Insurance offices near Boca Raton
Frequently asked questions
How much is homeowners insurance in Boca Raton?
For a home at Boca Raton's median value of $722,700, we estimate about $4,835 a year for a standard HO-3 policy with a $1,000 deductible. The Florida NAIC average is $2,779.
What are the biggest natural hazards in Boca Raton?
FEMA's National Risk Index rates Palm Beach County relatively high or very high for tornado, hurricane, inland (river) flooding, coastal flooding, strong wind, and lightning.
Does the age of homes in Boca Raton affect insurance?
Yes. The median home in Boca Raton was built in 1983 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.
How we estimate this
We start from the NAIC average homeowners (HO-3) premium for Florida, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Palm Beach County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 (July 2026), Tables 4 and 5 (HO-3 and HO-4 average premiums)
- FEMA National Risk Index (Palm Beach County)
- U.S. Census Bureau, American Community Survey (home values, year built, tenure)