Home Insurance in St. Johns County, Florida
Homes in St. Johns County carry a median value of $489,200 - 36% higher than the Florida median.
The typical home in St. Johns County was built around 2004. About 5% of homes were built before 1960, about 6 points below Florida's 10%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in St. Johns County is 77% single-family homes, 13% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
66% of owner-occupied homes in St. Johns County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
St. Johns County has an owner-occupancy rate of 82% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
88% of homes in St. Johns County are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively High), wildfire (Relatively Moderate) and inland flooding (Relatively Moderate) as the leading hazards for St. Johns County.
St. Johns County had 31,664 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.
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 | $489,200 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Wildfire (Relatively Moderate), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 31,664 |
| 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)