Home Insurance in Fernandina Beach, Florida
The median home value in Fernandina Beach is $555,400, 45% higher than the Nassau County median.
The typical home in Fernandina Beach was built around 1986. About 21% of homes were built before 1960, about 14 points above Nassau County's 7%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Fernandina Beach, the housing stock is 75% single-family homes and 12% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Fernandina Beach, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Fernandina Beach are owner-occupied.
Most homes in Fernandina Beach - 94% - are primarily heated with electricity.
FEMA rates Nassau County's overall risk as Relatively Low, led by hurricane (Relatively Moderate). 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.
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 | $555,400 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)