Home Insurance in High Springs, Florida
With a median home value of $320,700, High Springs is 11% higher than the Alachua County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in High Springs was built around 2002. About 12% of homes were built before 1960, about 3 points above Alachua County's 10%.
The housing stock in High Springs is 82% single-family homes, 2% apartments in buildings with 5+ units and 14% 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 High Springs carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 84% of occupied homes in High Springs are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
92% of homes in High Springs are primarily heated with electricity.
Alachua County's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. 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.
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 | $320,700 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 84% |
| 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)