Home Insurance in Jasper, Florida
Homes in Jasper carry a median value of $78,300 - 30% lower than the Hamilton County median.
The typical home in Jasper was built around 1981. About 27% of homes were built before 1960, about 15 points above Hamilton County's 11%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jasper is 72% single-family homes, 2% apartments in buildings with 5+ units and 11% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Jasper, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Jasper has an owner-occupancy rate of 48% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
83% of homes in Jasper are primarily heated with electricity.
What's the biggest home insurance risk near Jasper? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Hamilton County and Hamilton County had 54 active NFIP flood policies as of September 2026. See the full Hamilton 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 | $78,300 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Hamilton County | 54 |
| 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)