Home Insurance in Palm Coast, Florida
Homes in Palm Coast carry a median value of $350,800 - close to the Flagler County median.
The typical home in Palm Coast was built around 2003. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 1% of homes were built before 1960, in line with Flagler County (1%).
Housing in Palm Coast breaks down to 91% single-family homes and 5% apartments in buildings with 5+ units.
In Palm Coast, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Palm Coast has an owner-occupancy rate of 82% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Palm Coast - 94% - are primarily heated with electricity.
FEMA rates Flagler County's overall risk as Relatively Moderate, led by hurricane (Relatively High). 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 | $350,800 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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
- Beverly Beach
- Flagler Beach
- Marineland
- Bunnell
- Crescent City
- Ormond Beach
- Pomona Park
- 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)