Home Insurance in Belle Glade, Florida
The median home value in Belle Glade is $163,100, 64% lower than the Palm Beach County median.
The typical home in Belle Glade was built around 1979. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 16% of homes were built before 1960, about 8 points above Palm Beach County's 8%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Belle Glade is 43% single-family homes, 24% apartments in buildings with 5+ units and 13% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Belle Glade, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 43% of occupied homes in Belle Glade are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Belle Glade - 93% - are primarily heated with electricity.
What's the biggest home insurance risk near Belle Glade? FEMA's National Risk Index points to hurricane (Very High) in Palm Beach County and 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 | $163,100 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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
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)