Home Insurance in Century, Florida
The median home value in Century is $68,700, 73% lower than the Escambia County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Century was built around 1984. About 27% of homes were built before 1960, about 10 points above Escambia County's 17%.
The housing stock in Century is 58% single-family homes, 23% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 22% of owner-occupied homes in Century have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Century has an owner-occupancy rate of 49% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
78% of homes in Century are primarily heated with electricity.
FEMA rates Escambia County's overall risk as Relatively High, led by hurricane (Very High). Escambia County had 17,083 active NFIP flood policies as of September 2026. See the full Escambia 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 | $68,700 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 22% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Escambia County | 17,083 |
| 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)