Home Insurance in Palm Beach Shores, Florida
Homes in Palm Beach Shores carry a median value of $647,400 - 45% higher than the Palm Beach County median.
The typical home in Palm Beach Shores was built around 1969. About 30% of homes were built before 1960, about 22 points above Palm Beach County's 8%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Palm Beach Shores breaks down to 30% single-family homes and 61% apartments in buildings with 5+ units.
About 33% of owner-occupied homes in Palm Beach Shores have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Palm Beach Shores has an owner-occupancy rate of 61% and a vacancy rate of 42%; unoccupied homes typically need a different coverage form.
87% of homes in Palm Beach Shores 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.
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 | $647,400 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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
- Lake Park
- Riviera Beach
- Mangonia Park
- North Palm Beach
- Palm Beach
- West Palm Beach
- Juno Beach
- Cloud Lake
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)