Home Insurance in Brevard County, Florida
With a median home value of $339,600, Brevard County is 5% lower than the Florida median.
The typical home in Brevard County was built around 1988. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 8% of homes were built before 1960, about 3 points below Florida's 10%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Brevard County is 71% single-family homes, 17% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
In Brevard County, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 77% of occupied homes in Brevard County are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Brevard County, 87% of homes are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Very High), wildfire (Relatively Moderate) and strong wind (Relatively High) as the leading hazards for Brevard County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Brevard County has 42,035 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 | $339,600 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Hurricane (Very High), Wildfire (Relatively Moderate), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 42,035 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Towns and cities
- Cape Canaveral
- Cocoa
- Cocoa Beach
- Grant-Valkaria
- Indialantic
- Indian Harbour Beach
- Malabar
- Melbourne
- Melbourne Beach
- Melbourne Village
- Palm Bay
- Palm Shores
- Rockledge
- Satellite Beach
- Titusville
- West Melbourne
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)