Home Insurance in Esto, Florida
Homes in Esto carry a median value of $87,500 - 21% lower than the Holmes County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Esto was built around 1976. About 20% of homes were built before 1960, about 3 points above Holmes County's 17%.
In Esto, the housing stock is 66% single-family homes and 34% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
35% of owner-occupied homes in Esto carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Esto has an owner-occupancy rate of 78% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
In Esto, 96% of homes are primarily heated with electricity.
Holmes County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Holmes County had 99 active NFIP flood policies as of September 2026. See the full Holmes 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 | $87,500 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Holmes County | 99 |
| 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)