Home Insurance in Jupiter, Florida
With a median home value of $608,600, Jupiter is 36% higher than the Palm Beach County median.
The typical home in Jupiter was built around 1989. About 2% of homes were built before 1960, about 5 points below Palm Beach County's 8%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Jupiter breaks down to 61% single-family homes and 29% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 56% of owner-occupied homes in Jupiter have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Jupiter has an owner-occupancy rate of 79% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Jupiter - 91% - 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 | $608,600 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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
- Tequesta
- Jupiter Inlet Colony
- Juno Beach
- Palm Beach Gardens
- Jupiter Island
- North Palm Beach
- Lake Park
- Riviera 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)