Home Insurance in Jacksonville Beach, Florida
With a median home value of $575,800, Jacksonville Beach is 90% higher than the Duval County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Jacksonville Beach was built around 1983. About 19% of homes were built before 1960, in line with Duval County (19%).
The housing stock in Jacksonville Beach is 54% single-family homes and 33% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 61% of owner-occupied homes in Jacksonville Beach have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Jacksonville Beach has an owner-occupancy rate of 69% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
94% of homes in Jacksonville Beach 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.
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 | $575,800 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 69% |
| 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
- Atlantic Beach
- Jacksonville
- Orange Park
- St. Augustine
- Green Cove Springs
- Fernandina Beach
- St. Augustine Beach
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)