Home Insurance in Suwannee County, Florida
With a median home value of $171,600, Suwannee County is 52% lower than the Florida median.
The typical home in Suwannee County was built around 1991. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 11% of homes were built before 1960, in line with Florida (10%).
The housing stock in Suwannee County is 47% single-family homes, 4% apartments in buildings with 5+ units and 48% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
37% of owner-occupied homes in Suwannee County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 75% of occupied homes in Suwannee County are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Suwannee County - 91% - are primarily heated with electricity.
The top hazards for Suwannee County, per FEMA's National Risk Index, are hurricane (Relatively High), wildfire (Relatively Low) and inland flooding (Relatively Low).
As of September 2026, Suwannee County has 453 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $171,600 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Wildfire (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 453 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)