Home Insurance in Hendry County, Florida
Homes in Hendry County carry a median value of $219,200 - 39% lower than the Florida median.
The typical home in Hendry County was built around 1991. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 7% of homes were built before 1960, about 3 points below Florida's 10%.
In Hendry County, the housing stock is 60% single-family homes, 2% apartments in buildings with 5+ units and 33% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
45% of owner-occupied homes in Hendry County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Hendry County are owner-occupied.
In Hendry County, 90% of homes are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively High), wildfire (Relatively Moderate) and strong wind (Relatively Moderate) as the leading hazards for Hendry County.
As of September 2026, Hendry County has 736 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $219,200 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Wildfire (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 736 |
| 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)