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Homeowners Insurance in 32066

Getting the most affordable home insurance rates in 32066 just got easier for Mayo, FL home insurance shoppers who want to shop online at We provide up to 12 rates and coverage options available to you from the leading home insurance companies that have the most competitive premiums available in the great city of Mayo. Because our online quoting application is free, we are happy to server thousands of homeowners like you that want a quick way to review and compare affordable rates. Shop online with us by entering your zip code now. Or you can speak with an agent now at 1-888-685-4704 For Mayo, FL Home Insurance Quotes, Click to easily review rates!

Average Home Insurance Rates in 32066

When discussing Florida homeowners insurance rates, Mayo residents are finding new ways to save time and money by discovering lower rates when they shop online. Florida may not be the most expensive state in the country to purchase homeowners insurance, but it does rank higher than average at a nationwide rank of 1. Residents that live within the 32066 zipcode are currently paying $1621 for home insurance coverage on average, where the majority of the United States home insurance premiums are around $1,249. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, contents, loss of use, medical payments and homeowner liability coverage. It is very important to understand that a standard homeowners insurance policy in Mayo does not include flood insurance coverage. We will need to write a separate policy and our agents are available to help you review and compare what's the best fit for your home and family.

32066 Home Insurance Average Premiums

Local 32066 homeowners insurance quotes comparison

$1371 /yr.

Shows Zip Code: 32066 lowest rates with discounts applied on average.

For the 32066, 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)
$1371 /yr.
Average Coverage:$1621 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1921 /yr.

What is the average home insurance cost for a home in 32066?

  • • The average homeowners insurance premium paid annually for a home in 32066 is around $1621 per year.

What does it cost on average per month for home insurance in 32066?

  • • Homeowners in 32066 pay a monthly average cost per month around $135.00.

What kind of discount could I get if I combine my home and auto insurance together in 32066?

  • • Autoowners in 32066 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 Mayo area, check out other zip codes nearby 32066.
Review average rates in another zip code:
32066 homeowners insurance rates

Home Replacement Cost Coverage in 32066

Average Building Cost Per Square Foot in 32066: $167

Location: Mayo, Florida (Lafayette County)

Average Square Footage in 32066: 675 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32066 before you start any project. Mayo 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 32066 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 32066 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 675 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 Mayo 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$167675$112,800
Additional Upgrades & Added Features$209675$141,000
Major Home Updates or Advancements$251675$169,200

It's important to understand that when you estimate your replacement cost of your home in the 32066 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 32066

Best Home & Auto Insurance Agencies in 32066

Housing Demographics for 32066

Population Review for 32066 Zip Code

For the city of Mayo, the population within 32066 has increased to over 4,982 residents in population size. The current population total is 6,844. We have broken down the population based on race below. In 32066, there are over 4054 in male population and 2790 females.

Total Population6,844
White Population5099
Black Population1043
Hispanic Population845
Asian Population9
Hawaiian Population5
Indian Population21
Other Population368
Male Population4054
Female Population2790
Population Estimate4982

Household Data for 32066

The average number of homes in 32066 is around 2,121, there are an average of 2.50 per household. The average house value according to local real estate values is around $112,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,121
Persons Per Household2.50
Average House Value$112,800
Income Per Household$57747
Median Age42.9
Median Age Male41.1
Median Age Female46.9
32066 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code386
City Alias NameMAYO
County FIPS067
State FIPS12
Time Zone5
Day Light SavingY
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses90
Number Of Employees604
Business First Quarter Payroll4123
Business Annual Payroll18413
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District02|03
Congressional LandArea8613.58|7306.05
Delivery Residential1993
Delivery Business80
Delivery Total5604
Preferred Last Line KeyY22351
Classification Code
CSA Name
City State KeyY22351
Land Area280.037000
Water Area2.686000
City Alias Code
City Mixed CaseMayo
City Alias Mixed CaseMayo
Box Count345
State ANSI12
County ANSI067
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number115760
Unique ZIP Name
SSA State County Code10330
Medicare CBSA Code99910
Medicare CBSA NameRural Areas in FL
Medicare CBSA TypeMicro
Market Rating Area ID33
County Mixed CaseLafayette

Florida Homeowners Insurance News & Information

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024

    Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]

  • Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

    A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

  • Florida Lawmakers May Allow Takeout Offers to Citizens’ Policyholders Posted on Wednesday 13th March, 2024

    Lawmakers in Florida are moving closer to allowing specific insurer types to make offers to policyholders currently with Citizen’s Property to insure their vacation or second home.  SB 1716 this week cleared the Senate’s Fiscal Policy Committee for the takeout offers after the Senate’s Banking and Insurance Committee approved the measure earlier this month.  This […]

  • Florida has 7 New Home Insurance Companies Entering the Market Posted on Friday 1st March, 2024

    Recently, Florida has seen seven new insurance companies enter the market for homeowners coverage. Currently, the average premium for homeowners coverage is $6,000 a year in the Sunshine state compared to a nationwide average of just $1,700 a year, according to the Insurance Information Institute.  The Insurance Information Institute is hopeful that the new insurance […]

  • 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 […]