Home Insurance in Jackson County, Florida
The median home value in Jackson County is $120,800, 66% lower than the Florida median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Jackson County was built around 1983. About 19% of homes were built before 1960, about 9 points above Florida's 10%.
In Jackson County, the housing stock is 66% single-family homes, 2% apartments in buildings with 5+ units and 28% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Jackson County, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 76% of occupied homes in Jackson County are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
91% of homes in Jackson County are primarily heated with electricity.
The top hazards for Jackson County, per FEMA's National Risk Index, are hurricane (Relatively High), inland flooding (Relatively Low) and tornado (Relatively Low).
Jackson County had 105 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $120,800 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Inland Flooding (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 105 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Towns and cities
- Alford
- Bascom
- Campbellton
- Cottondale
- Graceville
- Grand Ridge
- Greenwood
- Jacob City
- Malone
- Marianna
- Sneads
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)