Home Insurance in Washington County, Florida
With a median home value of $171,000, Washington County is 52% lower than the Florida median.
The typical home in Washington County was built around 1990. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 11% of homes were built before 1960, about 1 point 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 Washington County is 59% single-family homes, 1% apartments in buildings with 5+ units and 37% mobile or manufactured homes.
In Washington County, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Washington County has an owner-occupancy rate of 80% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Washington County - 88% - 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.
The top hazards for Washington County, per FEMA's National Risk Index, are hurricane (Relatively Moderate), tornado (Relatively Moderate) and wildfire (Very Low).
As of September 2026, Washington County has 122 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $171,000 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Tornado (Relatively Moderate), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 122 |
| 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)