Home Insurance in Alachua County, Florida
With a median home value of $288,800, Alachua County is 20% lower than the Florida median.
The typical home in Alachua County was built around 1988. About 10% of homes were built before 1960, in line with Florida (10%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Alachua County is 55% single-family homes, 29% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
58% of owner-occupied homes in Alachua County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Alachua County has an owner-occupancy rate of 54% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Alachua County - 78% - are primarily heated with electricity.
The top hazards for Alachua County, per FEMA's National Risk Index, are hurricane (Relatively High), wildfire (Relatively Moderate) and tornado (Relatively High).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Alachua County has 2,813 active NFIP flood policies on file.
The statewide average premium for a standard HO-3 homeowners policy in Florida is $2,779 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $288,800 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Wildfire (Relatively Moderate), Tornado (Relatively High) |
| Active NFIP flood policies (county) | 2,813 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)