Home Insurance in Grand Ridge, Florida
Homes in Grand Ridge carry a median value of $106,500 - 12% lower than the Jackson County median.
The typical home in Grand Ridge was built around 1990. About 11% of homes were built before 1960, about 8 points below Jackson County's 19%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Grand Ridge is 52% single-family homes and 41% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
63% of owner-occupied homes in Grand Ridge carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Grand Ridge are owner-occupied.
Most homes in Grand Ridge - 97% - 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.
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 | $106,500 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)