Home Insurance in Glades County, Florida
With a median home value of $137,000, Glades County is 62% lower than the Florida median.
The typical home in Glades County was built around 1990. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 4% of homes were built before 1960, about 6 points below Florida's 10%.
The housing stock in Glades County is 41% single-family homes, 2% apartments in buildings with 5+ units and 54% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Glades County, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 85% of occupied homes in Glades County are owner-occupied. The vacancy rate is 33%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Glades County, 91% of homes are primarily heated with electricity.
The top hazards for Glades County, per FEMA's National Risk Index, are wildfire (Relatively Low), hurricane (Relatively Moderate) and strong wind (Relatively Moderate).
Glades County had 197 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $137,000 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hurricane (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 197 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Towns and cities
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)