evidence: TAMPA, Fla. - Florida is starting another year with a continuing crisis in home insurance, and state leaders said reforms could be on the horizon. According to the Insurance Information Institute, homeowner’s insurance has increased 102% in the last three years in Florida and costs three times more than the national average. The average cost of home insurance in the Sunshine State in 2023 was about $6,000, the highest average premium in the U.S.