HomeInsuranceQts

Home Insurance in Sewall's Point, Florida

Homes in Sewall's Point carry a median value of $1,502,200 - 248% higher than the Martin County median.

The typical home in Sewall's Point was built around 1989. About 0% of homes were built before 1960, about 6 points below Martin County's 6%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.

Housing in Sewall's Point breaks down to 100% single-family homes.

47% of owner-occupied homes in Sewall's Point carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Sewall's Point has an owner-occupancy rate of 94% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.

Most homes in Sewall's Point - 77% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.

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.

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$1,502,200
Median year built1989
Owner-occupied share94%
Share of owner-occupied homes with a mortgage47%
Top county hazardHurricane (Very High)
Active NFIP policies in Martin County13,798
Home insurance premium$2,779 - statewide average (NAIC, 2023 data)
Key home insurance figures for Sewall's Point, FL

Nearby towns

Sources

Data last updated: 2026-09-29