Home Insurance in Crescent City, Florida
With a median home value of $192,600, Crescent City is 20% higher than the Putnam County median.
The typical home in Crescent City was built around 1972. About 37% of homes were built before 1960, about 24 points above Putnam County's 13%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Crescent City is 69% single-family homes, 7% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Crescent City, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Crescent City has an owner-occupancy rate of 58% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Crescent City - 76% - are primarily heated with electricity.
Putnam County had 1,167 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively High). See the full Putnam 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 | $192,600 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Putnam County | 1,167 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Nearby towns
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)