Home Insurance in Riviera Beach, Florida
Homes in Riviera Beach carry a median value of $354,500 - 21% lower 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 Riviera Beach was built around 1981. About 14% of homes were built before 1960, about 6 points above Palm Beach County's 8%.
The housing stock in Riviera Beach is 51% single-family homes, 31% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 57% of owner-occupied homes in Riviera Beach have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 62% of occupied homes in Riviera Beach are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Riviera Beach - 92% - are primarily heated with electricity.
Palm Beach County had 128,176 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). 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 | $354,500 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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
- Mangonia Park
- Palm Beach Shores
- North Palm Beach
- West Palm Beach
- Palm Beach
- Juno Beach
- Haverhill
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)