Home Insurance in Green Cove Springs, Florida
Homes in Green Cove Springs carry a median value of $371,000 - 19% higher than the Clay County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Green Cove Springs was built around 1998. About 10% of homes were built before 1960, about 6 points above Clay County's 4%.
The housing stock in Green Cove Springs is 89% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 69% of owner-occupied homes in Green Cove Springs have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Green Cove Springs has an owner-occupancy rate of 65% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Green Cove Springs - 98% - are primarily heated with electricity.
Clay County had 4,148 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Clay County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $371,000 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Clay County | 4,148 |
| 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)