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32040 Home Insurance Rates & Premiums

Did you know there are over 7,958 people living within the 32040 zip code area? There are over 2,803 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 32040.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-888-685-4704, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Florida are on the rise. The estimated average premium is around $1,593 a year for a standard homeowners insurance policy in Glen Saint Mary. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Glen Saint Mary, FL Homeowners Insurance Quotes Online

32040 Home Insurance Average Premiums

Local 32040 homeowners insurance quotes comparison

$1343 /yr.

Shows Zip Code: 32040 lowest rates with discounts applied on average.

For the 32040, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$1343 /yr.
Average Coverage:$1593 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1893 /yr.

What is the average home insurance cost for a home in 32040?

  • • The average homeowners insurance premium paid annually for a home in 32040 is around $1593 per year.

What does it cost on average per month for home insurance in 32040?

  • • Homeowners in 32040 pay a monthly average cost per month around $133.00.

What kind of discount could I get if I combine my home and auto insurance together in 32040?

  • • Autoowners in 32040 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Glen Saint Mary area, check out other zip codes nearby 32040.
Review average rates in another zip code:
32040 homeowners insurance rates

Home Replacement Cost Coverage in 32040

Average Building Cost Per Square Foot in 32040: $167

Location: Glen Saint Mary, Florida (Baker County)

Average Square Footage in 32040: 885 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32040 before you start any project. Glen Saint Mary homeowners pay on average around $167 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 32040 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 32040 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 885 sq. ft. and the average cost to rebuild the home in this area is around $167 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Glen Saint Mary area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$167885$147,800
Additional Upgrades & Added Features$209885$184,750
Major Home Updates or Advancements$251885$221,700

It's important to understand that when you estimate your replacement cost of your home in the 32040 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 32040

Best Home & Auto Insurance Agencies in 32040

Housing Demographics for 32040

Population Review for 32040 Zip Code

For the city of Glen Saint Mary, the population within 32040 has increased to over 8,151 residents in population size. The current population total is 7,958. We have broken down the population based on race below. In 32040, there are over 4061 in male population and 3897 females.

Total Population7,958
White Population7219
Black Population382
Hispanic Population141
Asian Population29
Hawaiian Population3
Indian Population18
Other Population39
Male Population4061
Female Population3897
Population Estimate8151

Household Data for 32040

The average number of homes in 32040 is around 2,803, there are an average of 2.75 per household. The average house value according to local real estate values is around $147,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,803
Persons Per Household2.75
Average House Value$147,800
Income Per Household$61040
Median Age39.5
Median Age Male38.7
Median Age Female40.2
32040 DetailsValues
State Full NameFlorida
City TypeP
City Alias AbbreviationGLEN ST MARY
Area Code904
CityGlen Saint Mary
County FIPS003
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameJacksonville, FL
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses87
Number Of Employees455
Business First Quarter Payroll2974
Business Annual Payroll12297
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1345596
CBSA Division Population0
Congressional District03
Congressional LandArea7306.05
Delivery Residential2964
Delivery Business59
Delivery Total3534
Preferred Last Line KeyY21937
Classification Code
CSA NameJacksonville-Kingsland-Palatka, FL-GA
City State KeyY21937
Land Area121.148000
Water Area0.000000
City Alias Code
City Mixed CaseGlen Saint Mary
City Alias Mixed CaseGlen Saint Mary
Box Count431
State ANSI12
County ANSI003
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number113345
Unique ZIP Name
SSA State County Code10010
Medicare CBSA Code27260
Medicare CBSA NameJacksonville, FL
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseBaker

Florida Homeowners Insurance News & Information

  • What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

    If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

  • Florida Homeowners Advance From Citizens into Private Companies Posted on Tuesday 5th December, 2023

    Homeowners Choice Property and Casualty Insurance Co. has assumed approximately 53,750 policies from Citizens Property Insurance Corp., Florida’s state-backed insurance company, the parent company says in a Tuesday news release. Homeowners Choice is owned by HCI Group Inc., a holding company with operations in homeowners insurance, information technology services, real estate and reinsurance. Homeowners Choice […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

  • Fall 2023: Florida Homeowners Insurance Premium Update Posted on Tuesday 24th October, 2023

    Despite the fact that the Florida legislation finally passed a couple of bills to deal with the ever-increasing cost of homeowners insurance, it seems unlikely that premiums will start to fall anytime soon according to a report put out by Karen Clark & Company (KCC), a risk modelling firm. The recent report, titled “Managing Expectations: […]

  • Citizens Property Insurance Corporation Citizens Property Sends Out Letters Posted on Wednesday 27th September, 2023

    Soon, hundreds of thousands of Citizens Property Insurance Company policyholders will be getting a letter in their mailbox asking them to move their policy to a private insurance company and away from Citizens, the state-backed insurer of last resort. Citizens Property is using the letters as part of its “Depopulation” effort that was approved by […]

  • 5 New Homeowners Insurance Companies Step into the Florida Insurance Market Posted on Wednesday 27th September, 2023

    Florida’s property insurance disaster may be taking baby steps in the right direction as five new insurers step into the Florida market, taking over hundreds of thousands from Citizens Property, Florida’s insurer of last resort. This could lead to more insurance options for residents of the Sunshine State soon. The five companies in the mix […]

  • Why is Florida homeowners insurance so expensive? Posted on Friday 22nd September, 2023

    Homeowner insurance premiums are dramatically heading up this year, particularly in states that are prone to natural disasters. According to a new report from Policygenius, the average homeowner policy went up 21% nationally which is on top of a 12% increase that homeowners endured last year.  As usual, Florida is at the top of the […]