Home Insurance in Hamilton County, Florida
Homes in Hamilton County carry a median value of $111,200 - 69% lower than the Florida median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hamilton County was built around 1990. About 11% of homes were built before 1960, about 1 point above Florida's 10%.
In Hamilton County, the housing stock is 51% single-family homes, 2% apartments in buildings with 5+ units and 42% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
32% of owner-occupied homes in Hamilton County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 80% of occupied homes in Hamilton County are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Hamilton County - 85% - are primarily heated with electricity.
Per FEMA's National Risk Index, Hamilton County's top hazards are hurricane (Relatively Moderate), wildfire (Relatively Low) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Hamilton County has 54 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 | $111,200 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Wildfire (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 54 |
| 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)