Home Insurance in Escambia County, Florida
With a median home value of $257,200, Escambia County is 28% lower than the Florida median.
The typical home in Escambia County was built around 1984. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 17% of homes were built before 1960, about 7 points above Florida's 10%.
In Escambia County, the housing stock is 71% single-family homes, 15% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 58% of owner-occupied homes in Escambia County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Escambia County has an owner-occupancy rate of 65% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
78% of homes in Escambia County are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Very High), inland flooding (Relatively Moderate) and wildfire (Relatively Low) as the leading hazards for Escambia County.
As of September 2026, Escambia County has 17,083 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $257,200 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Hurricane (Very High), Inland Flooding (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 17,083 |
| 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)