Home Insurance in Malone, Florida
The median home value in Malone is $82,500, 32% lower than the Jackson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Malone was built around 1971. About 25% of homes were built before 1960, about 6 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 Malone is 71% single-family homes and 29% mobile or manufactured homes.
37% of owner-occupied homes in Malone carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Malone has an owner-occupancy rate of 78% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
92% of homes in Malone are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Malone? FEMA's National Risk Index points to hurricane (Relatively High) in Jackson County and 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 | $82,500 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)