Home Insurance in Graceville, Florida
The median home value in Graceville is $120,600, close to the Jackson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Graceville was built around 1974. About 30% of homes were built before 1960, about 11 points above Jackson County's 19%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Graceville is 70% single-family homes, 4% apartments in buildings with 5+ units and 14% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Graceville, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Graceville has an owner-occupancy rate of 56% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Graceville, 95% of homes are primarily heated with electricity.
FEMA rates Jackson County's overall risk as Relatively Low, led by hurricane (Relatively High). Jackson County had 105 active NFIP flood policies as of September 2026. See the full Jackson 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 | $120,600 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Jackson County | 105 |
| 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)