Home Insurance in Tallahassee, Florida
With a median home value of $294,400, Tallahassee is close to the Leon County median.
The typical home in Tallahassee was built around 1988. About 11% of homes were built before 1960, about 2 points above Leon County's 9%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Tallahassee breaks down to 49% single-family homes, 36% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
63% of owner-occupied homes in Tallahassee carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 41% of occupied homes in Tallahassee are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Tallahassee - 85% - are primarily heated with electricity.
FEMA rates Leon County's overall risk as Relatively Moderate, led by hurricane (Relatively High). Leon County had 2,595 active NFIP flood policies as of September 2026. See the full Leon 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 | $294,400 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Leon County | 2,595 |
| 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)