Home Insurance in Dixie County, Florida
The median home value in Dixie County is $132,000, 63% lower than the Florida median.
The typical home in Dixie County was built around 1988. About 9% of homes were built before 1960, about 1 point below Florida's 10%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Dixie County is 45% single-family homes, 1% apartments in buildings with 5+ units and 51% mobile or manufactured homes.
In Dixie County, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Dixie County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Dixie County - 92% - are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively Moderate), coastal flooding (Relatively Moderate) and wildfire (Relatively Low) as the leading hazards for Dixie County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Dixie County has 554 active NFIP flood policies on file.
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 | $132,000 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Coastal Flooding (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 554 |
| 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)