Home Insurance in St. Augustine, Florida
With a median home value of $439,800, St. Augustine is 10% lower than the St. Johns County median.
The typical home in St. Augustine was built around 1980. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 37% of homes were built before 1960, about 33 points above St. Johns County's 5%.
The housing stock in St. Augustine is 63% single-family homes and 29% apartments in buildings with 5+ units.
About 54% of owner-occupied homes in St. Augustine have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
St. Augustine has an owner-occupancy rate of 63% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
In St. Augustine, 93% of homes are primarily heated with electricity.
St. Johns County had 31,664 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively High). See the full St. Johns 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 | $439,800 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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
- St. Augustine Beach
- Marineland
- Green Cove Springs
- Palm Coast
- Jacksonville Beach
- Palatka
- Beverly Beach
- Neptune Beach
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)