Tools · Insurance
Keys insurance estimator
A rule-based ballpark for flood, wind, and homeowners premiums on a Florida Keys property. Not a quote — real numbers require a binder from a licensed agent, but this gets you to the right order of magnitude.
Inputs
Results
Estimated annual total
$8,364
Monthly escrow impact: $697
- Flood
- $4,032
- Wind
- $2,479
- Homeowners
- $1,853
Notes
- Hip roof reduces wind premium vs gable.
- Impact-rated openings reduce wind premium.
These are rule-based estimates tuned from Gracie's field experience and public rating guidance. Real premiums depend on the exact parcel, elevation certificate, carrier appetite (Citizens vs. private), and current market. Get a binder during the diligence period — not at closing.
Calculators on this site are estimates. They are not offers of credit, quotes, or financial advice. For a real number, contact Gracie and we'll loop in a Keys-savvy lender and title company.
Talk to Gracie
Want a real insurance quote?
Gracie will introduce you to Keys-savvy agents who can quote Citizens + private wind + NFIP/private flood for a specific property.