Home Insurance in Taylor County, Florida
The median home value in Taylor County is $114,600, 68% lower than the Florida median.
The typical home in Taylor County was built around 1986. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 16% of homes were built before 1960, about 6 points above Florida's 10%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Taylor County is 54% single-family homes, 2% apartments in buildings with 5+ units and 40% mobile or manufactured homes.
In Taylor County, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Taylor County has an owner-occupancy rate of 76% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
Most homes in Taylor County - 86% - are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively Moderate), wildfire (Relatively Low) and coastal flooding (Relatively Moderate) as the leading hazards for Taylor County.
As of September 2026, Taylor County has 545 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 | $114,600 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Wildfire (Relatively Low), Coastal Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 545 |
| 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)