Home Insurance in Tequesta, Florida
With a median home value of $572,800, Tequesta is 28% higher than the Palm Beach County median.
The typical home in Tequesta was built around 1977. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 2% of homes were built before 1960, about 6 points below Palm Beach County's 8%.
In Tequesta, the housing stock is 55% single-family homes and 43% apartments in buildings with 5+ units.
In Tequesta, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Tequesta are owner-occupied.
Most homes in Tequesta - 98% - 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.
In Florida, the statewide average premium for a standard HO-3 homeowners policy is $2,779 per year (NAIC, 2023 data).
Key figures
| Median home value | $572,800 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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
- Jupiter Inlet Colony
- Jupiter
- Jupiter Island
- Juno Beach
- Palm Beach Gardens
- 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)