Home Insurance in St. Lucie Village, Florida
Homes in St. Lucie Village carry a median value of $443,600 - 28% higher than the St. Lucie County median.
The typical home in St. Lucie Village was built around 1977. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 30% of homes were built before 1960, about 25 points above St. Lucie County's 5%.
In St. Lucie Village, the housing stock is 89% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In St. Lucie Village, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in St. Lucie Village are owner-occupied.
In St. Lucie Village, 92% of homes 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Florida carries a statewide average premium of $2,779 per year.
Key figures
| Median home value | $443,600 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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
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)