Home Insurance in Live Oak, Florida
Homes in Live Oak carry a median value of $160,300 - 7% lower than the Suwannee County median.
The typical home in Live Oak was built around 1977. About 23% of homes were built before 1960, about 12 points above Suwannee County's 11%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Live Oak is 59% single-family homes, 12% apartments in buildings with 5+ units and 24% mobile or manufactured homes.
In Live Oak, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Live Oak has an owner-occupancy rate of 47% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Most homes in Live Oak - 86% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Live Oak? FEMA's National Risk Index points to hurricane (Relatively High) in Suwannee County and Suwannee County had 453 active NFIP flood policies as of September 2026. See the full Suwannee 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 | $160,300 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Suwannee County | 453 |
| 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)