Home Insurance in Sopchoppy, Florida
The median home value in Sopchoppy is $250,000, close to the Wakulla County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Sopchoppy was built around 1975. About 28% of homes were built before 1960, about 23 points above Wakulla County's 6%.
The housing stock in Sopchoppy is 76% single-family homes 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 53% of owner-occupied homes in Sopchoppy have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Sopchoppy has an owner-occupancy rate of 85% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
Most homes in Sopchoppy - 91% - 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.
Wakulla County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Wakulla County had 1,212 active NFIP flood policies as of September 2026. See the full Wakulla 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 | $250,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Wakulla County | 1,212 |
| 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)