Florida hurricane insurance costs can be high. If you live in Florida and you want hurricane insurance, you will need to get coverage through your homeowners policy or a separate windstorm policy. You also may need to purchase other types of insurance -- such as flood insurance and sewer-backup insurance – to be fully protected from hurricane damage. In other words, it is very difficult to say how much Florida hurricane insurance coverage is likely to cost you. Where you live, how many insurance policies you decide to purchase and the amount of coverage you require will all impact how much you pay.