Home Insurance in Clay County, Florida
With a median home value of $312,500, Clay County is 13% lower than the Florida median.
The typical home in Clay County was built around 1996. About 4% of homes were built before 1960, about 6 points below Florida's 10%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Clay County, the housing stock is 78% single-family homes, 8% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
65% of owner-occupied homes in Clay County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Clay County has an owner-occupancy rate of 76% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
95% of homes in Clay County are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively Moderate), inland flooding (Relatively Moderate) and tornado (Relatively Moderate) as the leading hazards for Clay County.
As of September 2026, Clay County has 4,148 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $312,500 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Inland Flooding (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 4,148 |
| 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)