Home Insurance in Port St. Joe, Florida
With a median home value of $353,100, Port St. Joe is 41% higher than the Gulf County median.
The typical home in Port St. Joe was built around 1994. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 20% of homes were built before 1960, about 9 points above Gulf County's 11%.
Housing in Port St. Joe breaks down to 89% single-family homes and 4% apartments in buildings with 5+ units.
About 43% of owner-occupied homes in Port St. Joe have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Port St. Joe are owner-occupied.
65% of homes in Port St. Joe are primarily heated with electricity.
Gulf County had 1,673 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively High). See the full Gulf 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 | $353,100 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Gulf County | 1,673 |
| 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)