Home Insurance in Indian Harbour Beach, Florida
Homes in Indian Harbour Beach carry a median value of $440,200 - 30% higher than the Brevard County median.
The typical home in Indian Harbour Beach was built around 1978. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 4% of homes were built before 1960, about 3 points below Brevard County's 8%.
The housing stock in Indian Harbour Beach is 65% single-family homes and 31% apartments in buildings with 5+ units.
57% of owner-occupied homes in Indian Harbour Beach carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Indian Harbour Beach are owner-occupied.
Most homes in Indian Harbour Beach - 78% - 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.
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 | $440,200 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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
- Satellite Beach
- Palm Shores
- Melbourne
- Indialantic
- Melbourne Village
- Melbourne Beach
- West Melbourne
- Malabar
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)