Home Insurance in Cross City, Florida
With a median home value of $97,400, Cross City is 26% lower than the Dixie County median.
The typical home in Cross City was built around 1979. About 14% of homes were built before 1960, about 5 points above Dixie County's 9%. 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 Cross City is 62% single-family homes and 31% mobile or manufactured homes.
In Cross City, about 23% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 81% of occupied homes in Cross City are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
90% of homes in Cross City are primarily heated with electricity.
FEMA rates Dixie County's overall risk as Very Low, led by hurricane (Relatively Moderate). Dixie County had 554 active NFIP flood policies as of September 2026. See the full Dixie 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 | $97,400 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 23% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Dixie County | 554 |
| 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)