Home Insurance in Flagler Beach, Florida
With a median home value of $557,600, Flagler Beach is 53% higher than the Flagler 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 Flagler Beach was built around 1985. About 5% of homes were built before 1960, about 4 points above Flagler County's 1%.
The housing stock in Flagler Beach is 77% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 50% of owner-occupied homes in Flagler Beach have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Flagler Beach are owner-occupied.
96% of homes in Flagler Beach are primarily heated with electricity.
What's the biggest home insurance risk near Flagler Beach? FEMA's National Risk Index points to hurricane (Relatively High) in Flagler County and Flagler County had 10,486 active NFIP flood policies as of September 2026. See the full Flagler County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Florida is $2,779 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $557,600 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Flagler County | 10,486 |
| 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)