Home Insurance in Putnam County, Florida
The median home value in Putnam County is $160,300, 55% lower than the Florida median.
The typical home in Putnam County was built around 1985. About 13% of homes were built before 1960, about 3 points above Florida's 10%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Putnam County, the housing stock is 49% single-family homes, 4% apartments in buildings with 5+ units and 44% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
40% of owner-occupied homes in Putnam County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Putnam County are owner-occupied.
In Putnam County, 87% of homes are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively High), wildfire (Relatively Moderate) and tornado (Relatively Moderate) as the leading hazards for Putnam County.
Putnam County had 1,167 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $160,300 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Wildfire (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 1,167 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)