Answers / Buying
Can I insure an older Miami house, and for how much?
Direct answer
Eligibility turns on roof age and inspections. Citizens asks for a 4-point inspection on homes over 20 years old. In Miami-Dade, the average homeowners premium was $5,975 with wind and $3,779 without wind, as of March 31, 2026. No official figure for older houses or for Shenandoah was found.
Florida Office of Insurance Regulation, Property Insurance Stability Report of July 1, 2026 (data as of March 31, 2026); Fla. Stat. §§627.7011 and 627.0629; Citizens Property Insurance public pages. An insurance agent confirms eligibility and price for one property. · Methodology
What are the numbers behind it?
| Item | Figure or rule | Source |
|---|---|---|
| Average homeowners premium, Miami-Dade, with wind | $5,975 | OIR |
| Average homeowners premium, Miami-Dade, without wind | $3,779 | OIR |
| Average condo unit owners premium, Miami-Dade, with wind | $2,801 | OIR |
| Roof under 15 years | No refusal solely because of roof age | §627.7011(5)(b) |
| Roof 15 years or older | No refusal on age alone if an inspection shows 5 or more years of useful life | §627.7011(5)(c) |
| 4-point inspection | Required by Citizens for homes over 20 years old | Citizens |
| Wind-mitigation features | Rate filings must include discounts for roof strength, roof-to-wall and opening protection | §627.0629(1) |
Source: SEFMLS / MIAMI REALTORS®, September 27, 2022 through September 28, 2026. Data is deemed reliable but is not guaranteed accurate by the MLS and may not reflect all real estate activity in the market. Totals and medians only, no client names or addresses. Properties counted were listed or sold by various MLS participants, not necessarily by Gatien Salaun or Coldwell Banker Realty.
In more detail
Do premiums vary from the average?
Yes. OIR notes that actual premiums vary by company, insured value, deductibles and policy terms. The county figures cover all homes, not a pre-war Shenandoah house.
How do other counties compare?
OIR reports an average homeowners premium with wind of $6,136 in Broward and $6,323 in Palm Beach, as of March 31, 2026.
How was this counted?
Counted from the same MLS data as every figure on this site, for the stated window and boundary. Medians are withheld below 5 closings.
Canonical facts: Boundary