Homeowners Insurance in Tampa, FL

For a home at Tampa's median value of $420,400, we estimate about $3,270 a year — +18% 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 Tampa

Est. premium

$3,270

$273/mo · median home

Median home value

$420,400

Florida: $359,000

Median year built

1985

Census ACS

Owner-occupied

50.3%

of households

Hazard score

83.3

state ref. 77.2

Tampa's estimate reflects its home values (17% higher than the state median) and FEMA's hazard profile for Hillsborough County.

Natural hazard risk in Tampa

FEMA National Risk Index — Hillsborough County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively High	97.8	Comprehensive (car); roof claims (home)
Tornado	Very High	99.7	Comprehensive; dwelling
Hurricane	Very High	99.3	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	97.8	Comprehensive; home needs a separate flood policy
Coastal flooding	Relatively High	92.4	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Moderate	82.1	Comprehensive; dwelling
Winter weather	Not rated	0.0	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Moderate	95.7	Comprehensive; dwelling
Earthquake	Relatively Low	68.5	Home needs a separate earthquake policy
Lightning	Very High	99.7	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 Tampa

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,805	$1,660
$300,000	$2,495	$2,295
$500,000	$3,755	$3,455
$750,000	$5,195	$4,775

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in Tampa

ZIP	Median home value	Owner-occupied	Est. premium
33647	$472,500	61.6%	$3,590
33612	$282,000	37.2%	$2,375
33604	$311,900	56.0%	$2,575
33611	$479,800	53.7%	$3,630
33629	$851,400	80.1%	$5,745
33607	$354,400	37.0%	$2,850
33606	$845,600	43.9%	$5,715
33602	$653,100	27.1%	$4,650
33603	$391,000	58.3%	$3,085
33609	$605,600	64.7%	$4,375
33605	$264,400	40.2%	$2,255
33616	$405,500	48.0%	$3,175

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

Frequently asked questions

How much is homeowners insurance in Tampa?

For a home at Tampa's median value of $420,400, we estimate about $3,270 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 Tampa?

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

Does the age of homes in Tampa affect insurance?

Yes. The median home in Tampa was built in 1985 (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 Hillsborough County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page