Home Insurance in Layton, Florida
The median home value in Layton is $842,400, 8% higher than the Monroe County median.
The typical home in Layton was built around 1985. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 2% of homes were built before 1960, about 13 points below Monroe County's 15%.
In Layton, the housing stock is 74% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
46% of owner-occupied homes in Layton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Layton has an owner-occupancy rate of 72% and a vacancy rate of 70%; unoccupied homes typically need a different coverage form.
100% of homes in Layton are primarily heated with electricity.
What's the biggest home insurance risk near Layton? FEMA's National Risk Index points to coastal flooding (Very High) in Monroe County and Monroe County had 30,715 active NFIP flood policies as of September 2026. See the full Monroe County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $842,400 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Coastal Flooding (Very High) |
| Active NFIP policies in Monroe County | 30,715 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Nearby towns
- Marathon
- Key Colony Beach
- Islamorada, Village of Islands
- Florida City
- Homestead
- Cutler Bay
- Palmetto Bay
- Key West
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)