Home Insurance in Calhoun County, Florida
Homes in Calhoun County carry a median value of $145,300 - 60% lower than the Florida median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Calhoun County was built around 1986. About 16% of homes were built before 1960, about 6 points above 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 Calhoun County is 60% single-family homes, 2% apartments in buildings with 5+ units and 34% mobile or manufactured homes.
In Calhoun County, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Calhoun County has an owner-occupancy rate of 79% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
In Calhoun County, 88% of homes are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively Moderate), wildfire (Very Low) and strong wind (Relatively Moderate) as the leading hazards for Calhoun County.
Calhoun County had 81 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $145,300 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Wildfire (Very Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 81 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Towns and cities
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)