Home Insurance in Fort Pierce, Florida
With a median home value of $250,800, Fort Pierce is 28% lower than the St. Lucie County median.
The typical home in Fort Pierce was built around 1982. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 15% of homes were built before 1960, about 11 points above St. Lucie County's 5%.
The housing stock in Fort Pierce is 44% single-family homes, 30% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 46% of owner-occupied homes in Fort Pierce have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 50% of occupied homes in Fort Pierce are owner-occupied.
95% of homes in Fort Pierce are primarily heated with electricity.
FEMA rates St. Lucie County's overall risk as Relatively High, led by hurricane (Very High). St. Lucie County had 18,721 active NFIP flood policies as of September 2026. See the full St. Lucie 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 | $250,800 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in St. Lucie County | 18,721 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Nearby towns
- St. Lucie Village
- Port St. Lucie
- Ocean Breeze
- Vero Beach
- Stuart
- Sewall's Point
- Indian River Shores
- Orchid
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)