Home Insurance in Atlantic Beach, Florida
Homes in Atlantic Beach carry a median value of $630,200 - 108% higher than the Duval County median.
The typical home in Atlantic Beach was built around 1986. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 11% of homes were built before 1960, about 8 points below Duval County's 19%.
The housing stock in Atlantic Beach is 80% single-family homes and 13% apartments in buildings with 5+ units.
61% of owner-occupied homes in Atlantic Beach carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 74% of occupied homes in Atlantic Beach are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Atlantic Beach - 93% - are primarily heated with electricity.
What's the biggest home insurance risk near Atlantic Beach? FEMA's National Risk Index points to hurricane (Relatively High) in Duval County and Duval County had 27,246 active NFIP flood policies as of September 2026. See the full Duval County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $630,200 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Duval County | 27,246 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Nearby towns
- Neptune Beach
- Jacksonville Beach
- Jacksonville
- Orange Park
- Fernandina Beach
- Green Cove Springs
- Callahan
- St. Augustine
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)