Home Insurance in Jennings, Florida
Homes in Jennings carry a median value of $71,800 - 35% lower than the Hamilton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Jennings was built around 1981. About 25% of homes were built before 1960, about 13 points above Hamilton County's 11%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jennings is 68% single-family homes, 1% apartments in buildings with 5+ units and 19% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Jennings, about 17% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Jennings has an owner-occupancy rate of 64% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Jennings - 88% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Jennings? 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.
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 | $71,800 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 17% |
| 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)