Home Insurance in Quincy, Florida
The median home value in Quincy is $125,500, 28% lower than the Gadsden County median.
The typical home in Quincy was built around 1963. About 46% of homes were built before 1960, about 23 points above Gadsden County's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Quincy, the housing stock is 79% single-family homes, 11% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 39% of owner-occupied homes in Quincy have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Quincy are owner-occupied.
Most homes in Quincy - 76% - are primarily heated with electricity.
Gadsden County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Gadsden County had 83 active NFIP flood policies as of September 2026. See the full Gadsden 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 | $125,500 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Gadsden County | 83 |
| 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)