Florida · Consolidation Map · For Acquirers & Investors

Where the Florida agency roll-up runway is widest

28,486 independent P&C agencies across 34 Florida counties of scale. The largest markets are also the most fragmented — so the widest consolidation runway sits exactly where the volume is. Every market ranked below, from public records.

The structural read

Fragmentation is measured by agents per agency — a market of one-agent shops has the longest tail of sub-scale, acquirable operators. Florida’s four biggest markets — Miami-Dade, Broward, Palm Beach, Orange — each run near one agent per agency, the widest runway in the state. Mid-size markets like Hillsborough and Duval run larger agencies — already partway through consolidation.

The top of the market

The five largest markets, with fragmentation and 12-month formation alongside — the three dimensions that set roll-up attractiveness. The complete ranked table across all 34 markets of scale is in the briefing below.

#	County	Agencies	Agents/agency	Fragmentation	New/yr	Runway
1	Miami-Dade	5,564	1.3	High	637	Prime — large and highly fragmented
2	Broward	4,493	1.2	High	490	Prime — large and highly fragmented
3	Palm Beach	2,931	1.4	High	268	Prime — large and highly fragmented
4	Orange	1,941	1.4	High	235	Prime — large and highly fragmented
5	Hillsborough	1,864	2.4	Lower	192	Large but already consolidating

Get the Florida consolidation briefing

The full ranked map — fragmentation and formation across every Florida market of scale — emailed as a briefing. Building a Florida agency acquisition strategy? Reach out.

Aggregate public-record data. No individual agency is named in the briefing.

How this data works

Aggregate market structure

These pages are public-record aggregates — county market structure, never a list of agencies. No operator is named here.

Not a for-sale list

These pages are market structure, not a directory of agencies. We do not publish or sell lists of operators.

We work for owners too

Pexara also serves agency owners directly and never brokers or lists a specific agency without its consent.

Built entirely from public records — State licensing and carrier-appointment registries (FL DFS, TX TDI), Pexara vertical-data store. Retrieved 2026-07-02. No individual agency is named on these pages. Counts are of licensed agency entities with P&C qualification, assigned to metro by county of record. Platform-owned = agencies identified as owned by a consolidation platform; the remainder are independent. Figures are a point-in-time snapshot; week-over-week movement is available only from 2026-06-12 forward.