Home Insurance in Port St. Lucie, Florida
With a median home value of $369,200, Port St. Lucie is 6% higher than the St. Lucie County median.
The typical home in Port St. Lucie was built around 2002. About 1% of homes were built before 1960, about 4 points below St. Lucie County's 5%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Port St. Lucie breaks down to 90% single-family homes, 6% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
65% of owner-occupied homes in Port St. Lucie carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Port St. Lucie are owner-occupied.
In Port St. Lucie, 91% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Port St. Lucie? FEMA's National Risk Index points to hurricane (Very High) in St. Lucie County and 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.
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 | $369,200 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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
- Ocean Breeze
- Fort Pierce
- Stuart
- Sewall's Point
- St. Lucie Village
- Indiantown
- Jupiter Island
- Vero 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)