Home Insurance in Baldwin, Florida
With a median home value of $180,700, Baldwin is 40% lower than the Duval County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Baldwin was built around 1972. About 23% of homes were built before 1960, about 5 points above Duval County's 19%.
In Baldwin, the housing stock is 66% single-family homes, 12% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
57% of owner-occupied homes in Baldwin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Baldwin has an owner-occupancy rate of 58% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
92% of homes in Baldwin are primarily heated with electricity.
Duval County had 27,246 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively High). See the full Duval 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 | $180,700 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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
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)