Home Insurance in Moore Haven, Florida
Homes in Moore Haven carry a median value of $104,700 - 24% lower than the Glades County median.
The typical home in Moore Haven was built around 1993. About 4% of homes were built before 1960, in line with Glades County (4%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Moore Haven, the housing stock is 45% single-family homes, 10% apartments in buildings with 5+ units and 44% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 20% of owner-occupied homes in Moore Haven have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Moore Haven has an owner-occupancy rate of 75% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Moore Haven - 98% - are primarily heated with electricity.
Glades County had 197 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Glades 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 | $104,700 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 20% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Glades County | 197 |
| 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)