Home Insurance in Duval County, Florida
Homes in Duval County carry a median value of $303,500 - 15% lower than the Florida median.
The typical home in Duval County was built around 1986. About 19% of homes were built before 1960, about 8 points above Florida's 10%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Duval County, the housing stock is 64% single-family homes, 25% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
64% of owner-occupied homes in Duval County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Duval County has an owner-occupancy rate of 58% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Duval County - 94% - are primarily heated with electricity.
Per FEMA's National Risk Index, Duval County's top hazards are hurricane (Relatively High), inland flooding (Relatively High) and hail (Relatively High).
As of September 2026, Duval County has 27,246 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $303,500 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Inland Flooding (Relatively High), Hail (Relatively High) |
| Active NFIP flood policies (county) | 27,246 |
| 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)