Home Insurance in Cocoa Beach, Florida
Homes in Cocoa Beach carry a median value of $503,200 - 48% higher than the Brevard County median.
The typical home in Cocoa Beach was built around 1975. About 12% of homes were built before 1960, about 5 points above Brevard County's 8%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Cocoa Beach breaks down to 31% single-family homes and 58% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
46% of owner-occupied homes in Cocoa Beach carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Cocoa Beach has an owner-occupancy rate of 79% and a vacancy rate of 34%; unoccupied homes typically need a different coverage form.
Most homes in Cocoa Beach - 92% - are primarily heated with electricity.
Brevard County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. Brevard County had 42,035 active NFIP flood policies as of September 2026. See the full Brevard 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 | $503,200 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Brevard County | 42,035 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Nearby towns
- Cape Canaveral
- Rockledge
- Cocoa
- Palm Shores
- Satellite Beach
- Indian Harbour Beach
- Melbourne
- Melbourne Village
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)