Home Insurance in Jacksonville, Florida
With a median home value of $293,700, Jacksonville is close to 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 was built around 1987. About 19% of homes were built before 1960, in line with Duval County (19%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jacksonville is 64% single-family homes, 25% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
65% of owner-occupied homes in Jacksonville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Jacksonville has an owner-occupancy rate of 58% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Jacksonville, 94% of homes 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 | $293,700 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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
- Orange Park
- Atlantic Beach
- Neptune Beach
- Jacksonville Beach
- Baldwin
- Callahan
- Green Cove Springs
- Fernandina 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)