Solar in Florida 2026: Net Metering, Insurance & Payback

Florida's solar-friendly setup

Florida offers full-retail net metering, sales tax exemption on panels, property tax exemption, and high production (~1520 kWh/kW). The catch: electricity is only ~15.4¢/kWh, so payback is moderate — roughly 11–13 years for a typical system.

Hurricane and insurance realities

Florida homeowners should budget for stronger racking and check insurance coverage — solar arrays typically add ~$1,000/year to windstorm insurance in some areas. Net metering in Florida does not allow third-party PPAs, so you must buy or lease.

Where Florida solar shines

If your bill is high (pool pump, AC, EV), Florida solar still works — every kWh you produce offsets 15.4¢ plus your utility's escalating rates. Run the ROI calculator with your actual usage and rate to see your personal payback.

Is solar worth it in Florida in 2026?

It works for most long-term owners, with payback around 11–13 years. High-usage homes (AC, pool, EV) see the fastest returns.

Does Florida have net metering?

Yes — full retail net metering for residential systems, plus sales and property tax exemptions.

Does solar raise my Florida insurance?

Potentially — windstorm coverage for a roof array can add roughly $1,000/year. Confirm with your insurer before installing.