Protection Atlas · State Profile
Florida Protection Profile
Florida ranks #50 of 51 on the Atlas composite. State cost index runs 1.30× the national midpoint, risk-event frequency sits at 93/100, and consumer-protection strength scores 66/100.
Resilience
52
/ 100
Financial Safety
63
/ 100
Protection
75
/ 100
Preparedness
53
/ 100
Retirement
59
/ 100
Business
66
/ 100
State profile
- Auto avg: $2,425 · Home avg: $1,981 · Term avg: $247
- Min liability: 10/20/10 · No-fault: Yes · UM required: No
- SR-22 fee: $15 · Cost index: 1.30 · Friendliness: 73/100
Protection challenges
- Premium cost index runs 30% above the national midpoint
- Risk-event frequency sits in the top quartile (93/100)
- No-fault auto framework affects claim and recovery dynamics
- Named-storm and hurricane deductibles materially shift HO economics
Major risk factors
- Hurricane and tropical-storm exposure
- Storm-surge flood exposure inland of the surge zone
- Claim-frequency index sits in the top decile
Family security insights
In Florida, family protection planning is shaped by no-fault auto rules, optional uninsured-motorist coverage, and a state cost index of 1.30× the national midpoint. Term-life pricing tracks a 1.03× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in Florida is supported by a consumer-protection score of 66/100 and a friendliness composite of 73/100. Longevity risk and healthcare-cost growth remain the dominant pressures regardless of state, with LTC pricing tracking national averages closely.
Preparedness notes
Florida households face hurricane season as the dominant preparedness event. Recovery liquidity, ALE adequacy, and documented evacuation routes drive preparedness outcomes.