Home Insurance in Lake Clarke Shores, Florida
Homes in Lake Clarke Shores carry a median value of $573,800 - 28% higher than the Palm Beach County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Lake Clarke Shores was built around 1978. About 10% of homes were built before 1960, about 3 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 Lake Clarke Shores is 85% single-family homes, 4% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 41% of owner-occupied homes in Lake Clarke Shores have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 93% of occupied homes in Lake Clarke Shores are owner-occupied.
Most homes in Lake Clarke Shores - 97% - 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 | $573,800 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)