Home Insurance in Alachua, Florida
The median home value in Alachua is $299,200, close to the Alachua County median.
The typical home in Alachua was built around 1996. About 4% of homes were built before 1960, about 6 points below Alachua County's 10%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Alachua, the housing stock is 85% single-family homes, 7% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
74% of owner-occupied homes in Alachua carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 75% of occupied homes in Alachua are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Alachua - 78% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Alachua County's overall risk as Relatively Moderate, led by hurricane (Relatively High). Alachua County had 2,813 active NFIP flood policies as of September 2026. See the full Alachua County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Florida, the statewide average premium for a standard HO-3 homeowners policy is $2,779 per year (NAIC, 2023 data).
Key figures
| Median home value | $299,200 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Alachua County | 2,813 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- 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)