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32322, FL Home Insurance

In the zip code of 32322, the population size is around 4,213, which consists of 1,309 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Carrabelle, FL. A few years ago, a study was done and found that the average home insurance rates for Florida are around $1,638 per year for a standard homeowners policy. At, 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 32322 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 Carrabelle. 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 Carrabelle, FL Homeowners Insurance Online Rates Today!

32322 Home Insurance Average Premiums

Local 32322 homeowners insurance quotes comparison

$1388 /yr.

Shows Zip Code: 32322 lowest rates with discounts applied on average.

For the 32322, 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)
$1388 /yr.
Average Coverage:$1638 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1938 /yr.

What is the average home insurance cost for a home in 32322?

  • • The average homeowners insurance premium paid annually for a home in 32322 is around $1638 per year.

What does it cost on average per month for home insurance in 32322?

  • • Homeowners in 32322 pay a monthly average cost per month around $137.00.

What kind of discount could I get if I combine my home and auto insurance together in 32322?

  • • Autoowners in 32322 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 Carrabelle area, check out other zip codes nearby 32322.
Review average rates in another zip code:
32322 homeowners insurance rates

Home Replacement Cost Coverage in 32322

Average Building Cost Per Square Foot in 32322: $167

Location: Carrabelle, Florida (Franklin County)

Average Square Footage in 32322: 1,040 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32322 before you start any project. Carrabelle 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 32322 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 32322 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,040 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 Carrabelle 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$1671,040$173,700
Additional Upgrades & Added Features$2091,040$217,125
Major Home Updates or Advancements$2511,040$260,550

It's important to understand that when you estimate your replacement cost of your home in the 32322 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 32322

Best Home & Auto Insurance Agencies in 32322

Housing Demographics for 32322

Population Review for 32322 Zip Code

For the city of Carrabelle, the population within 32322 has increased to over 2,899 residents in population size. The current population total is 4,213. We have broken down the population based on race below. In 32322, there are over 2745 in male population and 1468 females.

Total Population4,213
White Population3190
Black Population735
Hispanic Population253
Asian Population7
Hawaiian Population0
Indian Population8
Other Population104
Male Population2745
Female Population1468
Population Estimate2899

Household Data for 32322

The average number of homes in 32322 is around 1,309, there are an average of 2.17 per household. The average house value according to local real estate values is around $173,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,309
Persons Per Household2.17
Average House Value$173,700
Income Per Household$36197
Median Age48.5
Median Age Male44.1
Median Age Female57.1
32322 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850
County FIPS037
State FIPS12
Time Zone5
Day Light SavingY
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses53
Number Of Employees361
Business First Quarter Payroll2283
Business Annual Payroll9842
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
Congressional LandArea8613.58
Delivery Residential1336
Delivery Business60
Delivery Total1948
Preferred Last Line KeyY21548
Classification Code
CSA Name
City State KeyY21548
Land Area75.383000
Water Area69.228000
City Alias Code
City Mixed CaseCarrabelle
City Alias Mixed CaseCarrabelle
Box Count482
State ANSI12
County ANSI037
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number111365
Unique ZIP Name
SSA State County Code10180
Medicare CBSA Code99910
Medicare CBSA NameRural Areas in FL
Medicare CBSA TypeMicro
Market Rating Area ID18
County Mixed CaseFranklin

Florida Homeowners Insurance News & Information

  • 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 […]

  • 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: […]