Home Insurance in Ocean Breeze, Florida
The median home value in Ocean Breeze is $302,600, 30% lower than the Martin County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Ocean Breeze was built around 2017. About 1% of homes were built before 1960, about 5 points below Martin County's 6%.
In Ocean Breeze, the housing stock is 64% single-family homes and 22% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
25% of owner-occupied homes in Ocean Breeze carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Ocean Breeze are owner-occupied.
Most homes in Ocean Breeze - 94% - are primarily heated with electricity.
Martin County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. Martin County had 13,798 active NFIP flood policies as of September 2026. See the full Martin County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $302,600 |
|---|---|
| Median year built | 2017 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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
- Stuart
- Sewall's Point
- Port St. Lucie
- Fort Pierce
- Jupiter Island
- St. Lucie Village
- Tequesta
- Indiantown
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)