Home Insurance in Lafayette County, Florida
With a median home value of $157,200, Lafayette County is 56% lower than the Florida median.
The typical home in Lafayette County was built around 1990. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 13% of homes were built before 1960, about 3 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 Lafayette County is 57% single-family homes, 1% apartments in buildings with 5+ units and 37% mobile or manufactured homes.
In Lafayette County, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Lafayette County are owner-occupied.
Most homes in Lafayette County - 90% - 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.
Per FEMA's National Risk Index, Lafayette County's top hazards are hurricane (Relatively Moderate), wildfire (Very Low) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Lafayette County has 147 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Florida, the statewide average premium for a standard HO-3 homeowners policy is $2,779 per year (NAIC, 2023 data).
Key figures
| Median home value | $157,200 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Wildfire (Very Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 147 |
| 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)