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32097, FL Home Insurance

In the zip code of 32097, the population size is around 23,564, which consists of 8,560 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Yulee, FL. A few years ago, a study was done and found that the average home insurance rates for Florida are around $1,606 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 32097 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Yulee. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-888-685-4704 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click Yulee, FL Homeowners Insurance Online Rates Today!

32097 Home Insurance Average Premiums

Local 32097 homeowners insurance quotes comparison

$1356 /yr.

Shows Zip Code: 32097 lowest rates with discounts applied on average.

For the 32097, 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)
$1356 /yr.
Average Coverage:$1606 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1906 /yr.

What is the average home insurance cost for a home in 32097?

  • • The average homeowners insurance premium paid annually for a home in 32097 is around $1606 per year.

What does it cost on average per month for home insurance in 32097?

  • • Homeowners in 32097 pay a monthly average cost per month around $134.00.

What kind of discount could I get if I combine my home and auto insurance together in 32097?

  • • Autoowners in 32097 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 Yulee area, check out other zip codes nearby 32097.
Review average rates in another zip code:
32097 homeowners insurance rates

Home Replacement Cost Coverage in 32097

Average Building Cost Per Square Foot in 32097: $167

Location: Yulee, Florida (Nassau County)

Average Square Footage in 32097: 1,338 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32097 before you start any project. Yulee 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 32097 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 32097 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,338 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 Yulee 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$1671,338$223,500
Additional Upgrades & Added Features$2091,338$279,375
Major Home Updates or Advancements$2511,338$335,250

It's important to understand that when you estimate your replacement cost of your home in the 32097 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 32097

Best Home & Auto Insurance Agencies in 32097

Housing Demographics for 32097

Population Review for 32097 Zip Code

For the city of Yulee, the population within 32097 has increased to over 30,877 residents in population size. The current population total is 23,564. We have broken down the population based on race below. In 32097, there are over 11819 in male population and 11745 females.

PopulationValues
Total Population23,564
White Population19033
Black Population1846
Hispanic Population1544
Asian Population284
Hawaiian Population15
Indian Population91
Other Population493
Male Population11819
Female Population11745
Population Estimate30877

Household Data for 32097

The average number of homes in 32097 is around 8,560, there are an average of 2.72 per household. The average house value according to local real estate values is around $223,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,560
Persons Per Household2.72
Average House Value$223,500
Income Per Household$73779
Median Age38.4
Median Age Male37.1
Median Age Female39.6
32097 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code904
CityYulee
City Alias NameYULEE
CountyNassau
County FIPS089
State FIPS12
Time Zone5
Day Light SavingY
MSA3600
PMSA
CSA300
CBSA27260
CBSA_DIV
CBSA_TypeMetro
CBSA_NameJacksonville, FL
MSA_NameJacksonville, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses418
Number Of Employees4627
Business First Quarter Payroll49663
Business Annual Payroll189964
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 District04
Congressional LandArea1875.97
Delivery Residential11352
Delivery Business456
Delivery Total11760
Preferred Last Line KeyY23292
Classification Code
Multi-County
CSA NameJacksonville-Kingsland-Palatka, FL-GA
CBSA_DIV_Name
City State KeyY23292
Land Area124.716000
Water Area2.931000
City Alias Code
City Mixed CaseYulee
City Alias Mixed CaseYulee
Box Count0
SFDU7334
MFDU809
State ANSI12
County ANSI089
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number119780
Unique ZIP Name
SSA State County Code10440
Medicare CBSA Code27260
Medicare CBSA NameJacksonville, FL
Medicare CBSA TypeMetro
Market Rating Area ID45
County Mixed CaseNassau

Florida Homeowners Insurance News & Information

  • 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 […]

  • 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 […]