Home Insurance in Mary Esther, Florida
Homes in Mary Esther carry a median value of $298,900 - 15% lower than the Okaloosa County median.
The typical home in Mary Esther was built around 1973. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 9% of homes were built before 1960, about 3 points above Okaloosa County's 6%.
The housing stock in Mary Esther is 84% single-family homes and 15% apartments in buildings with 5+ units.
53% of owner-occupied homes in Mary Esther carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mary Esther has an owner-occupancy rate of 70% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Mary Esther, 55% of homes are primarily heated with electricity.
Okaloosa County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. Okaloosa County had 18,795 active NFIP flood policies as of September 2026. See the full Okaloosa 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 | $298,900 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Okaloosa County | 18,795 |
| 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)