Home Insurance in St. Augustine Beach, Florida
With a median home value of $634,400, St. Augustine Beach is 30% higher than the St. Johns County median.
The typical home in St. Augustine Beach was built around 1987. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 5% of homes were built before 1960, in line with St. Johns County (5%).
In St. Augustine Beach, the housing stock is 53% single-family homes, 23% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In St. Augustine Beach, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 31%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in St. Augustine Beach are owner-occupied.
97% of homes in St. Augustine Beach are primarily heated with electricity.
What's the biggest home insurance risk near St. Augustine Beach? FEMA's National Risk Index points to hurricane (Relatively High) in St. Johns County and St. Johns County had 31,664 active NFIP flood policies as of September 2026. See the full St. Johns County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Florida, the statewide average premium for a standard HO-3 homeowners policy is $2,779 per year (NAIC, 2023 data).
Key figures
| Median home value | $634,400 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in St. Johns County | 31,664 |
| 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)