Home Insurance in Jay, Florida
With a median home value of $150,800, Jay is 54% lower than the Santa Rosa County median.
The typical home in Jay was built around 1969. About 31% of homes were built before 1960, about 25 points above Santa Rosa County's 5%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jay is 67% single-family homes, 5% apartments in buildings with 5+ units and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
34% of owner-occupied homes in Jay carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Jay has an owner-occupancy rate of 38% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Jay - 75% - are primarily heated with electricity.
What's the biggest home insurance risk near Jay? FEMA's National Risk Index points to hurricane (Relatively High) in Santa Rosa County and Santa Rosa County had 11,222 active NFIP flood policies as of September 2026. See the full Santa Rosa 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 | $150,800 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 38% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Santa Rosa County | 11,222 |
| 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)