Homeowners Insurance in Naples, FL

For a home at Naples's median value of $1,525,600, we estimate about $8,330 a year — +200% 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 Naples

Est. premium

$8,330

$694/mo · median home

Median home value

$1,525,600

Florida: $359,000

Median year built

1983

Census ACS

Owner-occupied

82.1%

of households

Hazard score

67.6

state ref. 77.2

Naples's estimate reflects its home values (4.2 times the state median) and FEMA's hazard profile for Collier County.

Natural hazard risk in Naples

FEMA National Risk Index — Collier County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Very Low	19.9	Comprehensive (car); roof claims (home)
Tornado	Relatively Moderate	76.4	Comprehensive; dwelling
Hurricane	Very High	99.8	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	98.3	Comprehensive; home needs a separate flood policy
Coastal flooding	Very High	95.2	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Low	51.7	Comprehensive; dwelling
Winter weather	Not rated	0.0	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Moderate	96.4	Comprehensive; dwelling
Earthquake	Very Low	38.6	Home needs a separate earthquake policy
Lightning	Very High	99.4	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 Naples

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,640	$1,510
$300,000	$2,270	$2,085
$500,000	$3,410	$3,140
$750,000	$4,720	$4,340

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in Naples

ZIP	Median home value	Owner-occupied	Est. premium
34104	$375,700	68.3%	$2,715
34105	$594,000	70.3%	$3,915
34103	$950,900	85.9%	$5,705
34102	$2,000,001	75.9%	$10,345

Homeowners insurance in Florida · Car insurance in Naples · Insurance offices near Naples

Frequently asked questions

How much is homeowners insurance in Naples?

For a home at Naples's median value of $1,525,600, we estimate about $8,330 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 Naples?

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

Does the age of homes in Naples affect insurance?

Yes. The median home in Naples 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 Collier County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page