Home Insurance in Nassau County, Florida
Homes in Nassau County carry a median value of $382,800 - 7% higher than the Florida median.
The typical home in Nassau County was built around 2000. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 7% of homes were built before 1960, about 3 points below Florida's 10%.
In Nassau County, the housing stock is 70% single-family homes, 10% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Nassau County, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Nassau County has an owner-occupancy rate of 83% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Nassau County, 92% of homes are primarily heated with electricity.
The top hazards for Nassau County, per FEMA's National Risk Index, are hurricane (Relatively Moderate), wildfire (Relatively Low) and coastal flooding (Relatively Moderate).
Nassau County had 8,743 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Florida carries a statewide average premium of $2,779 per year.
Key figures
| Median home value | $382,800 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Wildfire (Relatively Low), Coastal Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 8,743 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)