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32140 Home Insurance Rates

Getting multiple homeowners insurance rates in 32140 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Florahome, FL. Many homeowners based out of the 32140 zip code have found it very easy to shop with The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our Florida licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 32140 should appear in the zip code field ready to go. For Florahome, FL Home Insurance Quotes, Click to easily get started!

32140 Homeowners Insurance Rates, Average Rating: Very High!

Your homeowners insurance policy in 32140 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Florahome. For a basic HO-3, standard homeowners policy, the average premium per year in Florida is around $1609. By shopping your home insurance with us at, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 32140 zip code today and let us help you save time and money on your homeowners insurance premium.

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32140 Home Insurance Average Premiums

Local 32140 homeowners insurance quotes comparison

$1359 /yr.

Shows Zip Code: 32140 lowest rates with discounts applied on average.

For the 32140, 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)
$1359 /yr.
Average Coverage:$1609 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1909 /yr.

What is the average home insurance cost for a home in 32140?

  • • The average homeowners insurance premium paid annually for a home in 32140 is around $1609 per year.

What does it cost on average per month for home insurance in 32140?

  • • Homeowners in 32140 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 32140?

  • • Autoowners in 32140 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 Florahome area, check out other zip codes nearby 32140.
Review average rates in another zip code:
32140 homeowners insurance rates

Home Replacement Cost Coverage in 32140

Average Building Cost Per Square Foot in 32140: $167

Location: Florahome, Florida (Putnam County)

Average Square Footage in 32140: 438 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32140 before you start any project. Florahome 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 32140 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 32140 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 438 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 Florahome 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$167438$73,100
Additional Upgrades & Added Features$209438$91,375
Major Home Updates or Advancements$251438$109,650

It's important to understand that when you estimate your replacement cost of your home in the 32140 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 32140

Best Home & Auto Insurance Agencies in 32140

Housing Demographics for 32140

Population Review for 32140 Zip Code

For the city of Florahome, the population within 32140 has increased to over 2,014 residents in population size. The current population total is 1,822. We have broken down the population based on race below. In 32140, there are over 898 in male population and 924 females.

Total Population1,822
White Population1633
Black Population56
Hispanic Population109
Asian Population5
Hawaiian Population0
Indian Population15
Other Population17
Male Population898
Female Population924
Population Estimate2014

Household Data for 32140

The average number of homes in 32140 is around 687, there are an average of 2.65 per household. The average house value according to local real estate values is around $73,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode687
Persons Per Household2.65
Average House Value$73,100
Income Per Household$54032
Median Age47.4
Median Age Male49.5
Median Age Female44.9
32140 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code386
City Alias NameFLORAHOME
County FIPS107
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NamePalatka, FL
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses13
Number Of Employees273
Business First Quarter Payroll1769
Business Annual Payroll7384
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population74364
CBSA Division Population0
Congressional District04|06
Congressional LandArea1875.97|2506.92
Delivery Residential760
Delivery Business14
Delivery Total944
Preferred Last Line KeyY21857
Classification Code
CSA NameJacksonville-Kingsland-Palatka, FL-GA
City State KeyY21857
Land Area33.361000
Water Area1.339000
City Alias Code
City Mixed CaseFlorahome
City Alias Mixed CaseFlorahome
Box Count120
State ANSI12
County ANSI107
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number112925
Unique ZIP Name
SSA State County Code10530
Medicare CBSA Code99910
Medicare CBSA NameRural Areas in FL
Medicare CBSA TypeMicro
Market Rating Area ID54
County Mixed CasePutnam

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 […]