Home Insurance in Gadsden County, Florida
Homes in Gadsden County carry a median value of $174,900 - 51% lower than the Florida median.
The typical home in Gadsden County was built around 1983. About 23% of homes were built before 1960, about 13 points above Florida's 10%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Gadsden County is 65% single-family homes, 5% apartments in buildings with 5+ units and 26% mobile or manufactured homes.
48% of owner-occupied homes in Gadsden County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 71% of occupied homes in Gadsden County are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Gadsden County - 85% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Gadsden County, per FEMA's National Risk Index, are hurricane (Relatively Moderate), tornado (Relatively Moderate) and wildfire (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Gadsden County has 83 active NFIP flood policies on file.
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 | $174,900 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Tornado (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 83 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
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Chattahoochee
- Median home value: $101,700
- Median year built: 1960
- Owner-occupied share: 37%
-
Gretna
- Median home value: $112,500
- Median year built: 1968
- Owner-occupied share: 43%
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)