Home Insurance in Atlantis, Florida
With a median home value of $630,500, Atlantis is 41% higher than the Palm Beach County median.
The typical home in Atlantis was built around 1978. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 5% of homes were built before 1960, about 2 points below Palm Beach County's 8%.
Housing in Atlantis breaks down to 82% single-family homes and 15% apartments in buildings with 5+ units.
47% of owner-occupied homes in Atlantis carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 93% of occupied homes in Atlantis are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
93% of homes in Atlantis are primarily heated with electricity.
FEMA rates Palm Beach County's overall risk as Relatively High, led by hurricane (Very High). Palm Beach County had 128,176 active NFIP flood policies as of September 2026. See the full Palm Beach 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 | $630,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Palm Beach County | 128,176 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Nearby towns
- Palm Springs
- Lantana
- Lake Worth Beach
- Lake Clarke Shores
- South Palm Beach
- Manalapan
- Boynton Beach
- Glen Ridge
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)