Home Insurance in Palatka, Florida
With a median home value of $150,500, Palatka is 6% lower than the Putnam County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Palatka was built around 1974. About 33% of homes were built before 1960, about 21 points above Putnam County's 13%.
In Palatka, the housing stock is 64% single-family homes, 17% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 46% of owner-occupied homes in Palatka have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 51% of occupied homes in Palatka are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
78% of homes in Palatka are primarily heated with electricity.
What's the biggest home insurance risk near Palatka? FEMA's National Risk Index points to hurricane (Relatively High) in Putnam County and Putnam County had 1,167 active NFIP flood policies as of September 2026. See the full Putnam County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Florida is $2,779 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $150,500 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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
- Welaka
- Pomona Park
- Interlachen
- Crescent City
- Green Cove Springs
- Keystone Heights
- Penney Farms
- Hawthorne
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)