Home Insurance in Golf, Florida
Golf's median home value is $2,000,000+.
The typical home in Golf was built around 1975. About 10% of homes were built before 1960, about 2 points above Palm Beach County's 8%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Golf is 100% single-family homes.
12% of owner-occupied homes in Golf carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Golf has an owner-occupancy rate of 96% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
Most homes in Golf - 90% - are primarily heated with electricity.
Palm Beach County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. 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.
The statewide average premium for a standard HO-3 homeowners policy in Florida is $2,779 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $2,000,000+ |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 12% |
| 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)