Home Insurance in Jupiter Island, Florida
Homes in Jupiter Island carry a median value of $2,000,000+.
The typical home in Jupiter Island was built around 1985. About 19% of homes were built before 1960, about 13 points above Martin County's 6%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Jupiter Island is 94% single-family homes and 5% apartments in buildings with 5+ units.
In Jupiter Island, about 15% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Jupiter Island has an owner-occupancy rate of 96% and a vacancy rate of 48%; 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 Jupiter Island, 65% of homes are primarily heated with electricity.
Martin County had 13,798 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). See the full Martin 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 | $2,000,000+ |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 15% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Martin County | 13,798 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Nearby towns
- Tequesta
- Jupiter Inlet Colony
- Jupiter
- Juno Beach
- Palm Beach Gardens
- Sewall's Point
- North Palm Beach
- Stuart
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)