Home Insurance in Grant-Valkaria, Florida
With a median home value of $550,400, Grant-Valkaria is 62% higher than the Brevard County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Grant-Valkaria was built around 1997. About 3% of homes were built before 1960, about 5 points below Brevard County's 8%.
In Grant-Valkaria, the housing stock is 97% single-family homes and 2% mobile or manufactured homes.
About 54% of owner-occupied homes in Grant-Valkaria have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Grant-Valkaria has an owner-occupancy rate of 97% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
96% of homes in Grant-Valkaria are primarily heated with electricity.
What's the biggest home insurance risk near Grant-Valkaria? FEMA's National Risk Index points to hurricane (Very High) in Brevard County and 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.
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 | $550,400 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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
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)