Home Insurance in Jefferson County, Florida
The median home value in Jefferson County is $232,600, 35% lower than the Florida median.
The typical home in Jefferson County was built around 1987. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 16% of homes were built before 1960, about 6 points above Florida's 10%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jefferson County is 67% single-family homes, 3% apartments in buildings with 5+ units and 29% mobile or manufactured homes.
46% of owner-occupied homes in Jefferson County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Jefferson County has an owner-occupancy rate of 76% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Jefferson County, 88% of homes are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively Moderate), wildfire (Relatively Low) and tornado (Relatively Low) as the leading hazards for Jefferson County.
As of September 2026, Jefferson County has 80 active NFIP flood insurance policies. 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 | $232,600 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Wildfire (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 80 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Towns and cities
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)