Florida home insurance costs rose 1.5% so far in 2025. Will they ever get lower?

Florida home insurance premiums rose about 1.5% over the first eight months of 2025—far slower than the steep jumps of recent years—but the article says broad relief still isn’t here: despite 2022–2023 reforms and signs of stabilization, many factors keep pressure on rates (reinsurance costs, storm risk, litigation), and whether prices actually fall will hinge on continued market recovery, milder hurricane seasons, and more private-insurer competition; some policyholders could see modest decreases as certain carriers trim rates, but others—especially those with Citizens—face increases, so a meaningful statewide drop isn’t expected soon. For more information click here.