Home Insurance in Westlake, Florida
Homes in Westlake carry a median value of $649,700 - 45% higher than the Palm Beach County median.
The median home in Westlake was built in 2021 or later. About 0% of homes were built before 1960, about 8 points below Palm Beach County's 8%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Westlake is 99% single-family homes and 1% mobile or manufactured homes.
In Westlake, about 80% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 99% of occupied homes in Westlake are owner-occupied.
66% of homes in Westlake are primarily heated with electricity.
FEMA rates Palm Beach County's overall risk as Relatively High, led by hurricane (Very High). 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 | $649,700 |
|---|---|
| Median year built | 2021 or later |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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
- Loxahatchee Groves
- Royal Palm Beach
- Wellington
- Palm Beach Gardens
- West Palm Beach
- Haverhill
- Mangonia 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)