Home Insurance in Leon County, Florida
With a median home value of $301,800, Leon County is 16% lower than the Florida median.
The typical home in Leon County was built around 1989. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 9% of homes were built before 1960, in line with Florida (10%).
The housing stock in Leon County is 57% single-family homes, 26% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Leon County, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Leon County are owner-occupied.
In Leon County, 87% of homes are primarily heated with electricity.
The top hazards for Leon County, per FEMA's National Risk Index, are hurricane (Relatively High), tornado (Relatively High) and strong wind (Relatively High).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Leon County has 2,595 active NFIP flood policies on file.
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 | $301,800 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Tornado (Relatively High), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 2,595 |
| 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)