Homeowners Insurance in Fort Myers, FL

For a home at Fort Myers's median value of $384,500, we estimate about $2,810 a year — +1% versus the Florida NAIC average of $2,779.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Fort Myers

Est. premium

$2,810

$234/mo · median home

Median home value

$384,500

Florida: $359,000

Median year built

2001

Census ACS

Owner-occupied

49.1%

of households

Hazard score

70.2

state ref. 77.2

Fort Myers's estimate reflects its home values (7% higher than the state median) and FEMA's hazard profile for Lee County.

Natural hazard risk in Fort Myers

FEMA National Risk Index — Lee County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Very Low	24.3	Comprehensive (car); roof claims (home)
Tornado	Relatively Moderate	87.5	Comprehensive; dwelling
Hurricane	Very High	99.9	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	97.3	Comprehensive; home needs a separate flood policy
Coastal flooding	Very High	97.4	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Moderate	64.9	Comprehensive; dwelling
Winter weather	Not rated	0.0	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Moderate	96.6	Comprehensive; dwelling
Earthquake	Very Low	33.9	Home needs a separate earthquake policy
Lightning	Very High	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 Fort Myers

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,665	$1,535
$300,000	$2,305	$2,120
$500,000	$3,470	$3,190
$750,000	$4,800	$4,415

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance by ZIP code in Fort Myers

ZIP	Median home value	Owner-occupied	Est. premium
33905	$283,300	62.8%	$2,200
33913	$488,800	90.5%	$3,405
33916	$266,500	33.8%	$2,095
33901	$302,500	47.2%	$2,320
33966	$388,800	58.2%	$2,835

Homeowners insurance in Florida · Car insurance in Fort Myers · Insurance offices near Fort Myers

Frequently asked questions

How much is homeowners insurance in Fort Myers?

For a home at Fort Myers's median value of $384,500, we estimate about $2,810 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 Fort Myers?

FEMA's National Risk Index rates Lee County relatively high or very high for hurricane, inland (river) flooding, coastal flooding, and lightning.

Does the age of homes in Fort Myers affect insurance?

Yes. The median home in Fort Myers was built in 2001 (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 Lee County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page