Home Insurance in Macclenny, Florida
The median home value in Macclenny is $261,800, close to the Baker County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Macclenny was built around 1994. About 7% of homes were built before 1960, in line with Baker County (6%).
Housing in Macclenny breaks down to 82% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Macclenny, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 76% of occupied homes in Macclenny are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Macclenny, 96% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Macclenny? FEMA's National Risk Index points to wildfire (Relatively Low) in Baker County and Baker County had 158 active NFIP flood policies as of September 2026. See the full Baker County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Florida carries a statewide average premium of $2,779 per year.
Key figures
| Median home value | $261,800 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Baker County | 158 |
| 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)