Home Insurance in Orange Park, Florida
Homes in Orange Park carry a median value of $313,100 - close to the Clay County median.
The typical home in Orange Park was built around 1974. About 14% of homes were built before 1960, about 9 points above Clay County's 4%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Orange Park breaks down to 69% single-family homes and 24% apartments in buildings with 5+ units.
In Orange Park, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 56% of occupied homes in Orange Park are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Orange Park, 96% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Orange Park? 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.
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 | $313,100 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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
- Jacksonville
- Green Cove Springs
- Penney Farms
- Baldwin
- Jacksonville Beach
- Neptune Beach
- Atlantic Beach
- Lawtey
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)