Home Insurance in Everglades, Florida
The median home value in Everglades is $456,700, 16% lower than the Collier County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Everglades was built around 2000. About 9% of homes were built before 1960, about 8 points above Collier County's 1%.
The housing stock in Everglades is 54% single-family homes, 25% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Everglades, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Everglades has an owner-occupancy rate of 61% and a vacancy rate of 66%; unoccupied homes typically need a different coverage form.
100% of homes in Everglades are primarily heated with electricity.
Collier County had 97,637 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). See the full Collier County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $456,700 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Collier County | 97,637 |
| 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)