Home Insurance in Keystone Heights, Florida
Homes in Keystone Heights carry a median value of $227,900 - 27% lower 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 Keystone Heights was built around 1971. About 31% of homes were built before 1960, about 27 points above Clay County's 4%.
The housing stock in Keystone Heights is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 64% of owner-occupied homes in Keystone Heights have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 81% of occupied homes in Keystone Heights are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Keystone Heights, 92% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Keystone Heights? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Clay County and Clay County had 4,148 active NFIP flood policies as of September 2026. See the full Clay 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 | $227,900 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)