Home Insurance in Perry, Florida
Homes in Perry carry a median value of $150,500 - 31% higher than the Taylor County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Perry was built around 1978. About 24% of homes were built before 1960, about 8 points above Taylor County's 16%.
The housing stock in Perry is 68% single-family homes, 4% apartments in buildings with 5+ units and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 42% of owner-occupied homes in Perry have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Perry are owner-occupied.
In Perry, 79% of homes are primarily heated with electricity.
Taylor County had 545 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Taylor 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 | $150,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Taylor County | 545 |
| 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)