Home Insurance in Haverhill, Florida
The median home value in Haverhill is $424,500, 5% lower than the Palm Beach County median.
The typical home in Haverhill was built around 1984. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 15% of homes were built before 1960, about 8 points above Palm Beach County's 8%.
In Haverhill, the housing stock is 91% single-family homes and 3% apartments in buildings with 5+ units.
About 69% of owner-occupied homes in Haverhill have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 78% of occupied homes in Haverhill are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Haverhill - 87% - 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.
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 | $424,500 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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
- Glen Ridge
- Cloud Lake
- West Palm Beach
- Palm Springs
- Lake Clarke Shores
- Palm Beach
- Mangonia Park
- Lake Worth Beach
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)