Home Insurance in Holmes Beach, Florida
The median home value in Holmes Beach is $681,000, 74% higher than the Manatee County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Holmes Beach was built around 1975. About 15% of homes were built before 1960, about 7 points above Manatee County's 8%.
In Holmes Beach, the housing stock is 52% single-family homes, 29% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Holmes Beach, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 89% of occupied homes in Holmes Beach are owner-occupied. The vacancy rate is 61%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
93% of homes in Holmes Beach are primarily heated with electricity.
Manatee County had 36,816 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). See the full Manatee 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 | $681,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Manatee County | 36,816 |
| 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)