Home Insurance in Callahan, Florida
The median home value in Callahan is $281,900, 26% lower than the Nassau County median.
The typical home in Callahan was built around 2003. About 4% of homes were built before 1960, about 3 points below Nassau County's 7%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Callahan is 71% single-family homes, 8% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Callahan, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Callahan are owner-occupied.
98% of homes in Callahan are primarily heated with electricity.
Nassau County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Nassau County had 8,743 active NFIP flood policies as of September 2026. See the full Nassau County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $281,900 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Nassau County | 8,743 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Nearby towns
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)