Home Insurance in Wellington, Florida
Homes in Wellington carry a median value of $599,400 - 34% higher than the Palm Beach County median.
The typical home in Wellington was built around 1995. About 0% of homes were built before 1960, about 7 points below Palm Beach County's 8%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Wellington breaks down to 84% single-family homes and 11% apartments in buildings with 5+ units.
About 63% of owner-occupied homes in Wellington have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Wellington has an owner-occupancy rate of 76% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Wellington, 89% of homes 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 | $599,400 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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
- Royal Palm Beach
- Loxahatchee Groves
- Westlake
- Haverhill
- Palm Springs
- Atlantis
- West Palm Beach
- Lake Clarke Shores
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)