Home Insurance in Okeechobee County, Florida
With a median home value of $193,000, Okeechobee County is 46% lower than the Florida median.
The typical home in Okeechobee County was built around 1988. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 4% of homes were built before 1960, about 7 points below Florida's 10%.
The housing stock in Okeechobee County is 52% single-family homes, 3% apartments in buildings with 5+ units and 39% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 43% of owner-occupied homes in Okeechobee County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Okeechobee County has an owner-occupancy rate of 74% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
92% of homes in Okeechobee County are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively High), strong wind (Relatively High) and wildfire (Relatively Moderate) as the leading hazards for Okeechobee County.
Okeechobee County had 1,304 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.
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 | $193,000 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Strong Wind (Relatively High), Wildfire (Relatively Moderate) |
| Active NFIP flood policies (county) | 1,304 |
| 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)