Home Insurance in Stuart, Florida
Homes in Stuart carry a median value of $329,400 - 24% lower than the Martin County median.
The typical home in Stuart was built around 1982. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 13% of homes were built before 1960, about 7 points above Martin County's 6%.
The housing stock in Stuart is 33% single-family homes, 57% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 46% of owner-occupied homes in Stuart have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Stuart has an owner-occupancy rate of 59% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
93% of homes in Stuart are primarily heated with electricity.
What's the biggest home insurance risk near Stuart? FEMA's National Risk Index points to hurricane (Very High) in Martin County and 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.
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 | $329,400 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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
- Sewall's Point
- Ocean Breeze
- Port St. Lucie
- Jupiter Island
- Fort Pierce
- Tequesta
- Indiantown
- Jupiter Inlet Colony
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)