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Home Insurance Quotes in 32355

Are you shopping for a cheaper homeowners insurance rate in 32355? Our rates are very competitive for homeowners living in Saint Marks, FL. Many homeowners located in the 32355 zip code have found it very easy to shop with For example, we clearly showcase the carriers that we will shop for you. Plus, our online quoting process is free to use and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 32355. To get free 32355 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 32355 zip code should appear in the zip code field ready to go. Shopping Saint Marks, FL Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 32355 to review the best rate coverages.

Your 32355 Home Insurance Costs Is Rated: Very High!

For the great city of Saint Marks, the average home insurance premium paid annually is around $1671 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our Florida specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Saint Marks and need insurance on your home in the 32355 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.

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32355 Home Insurance Average Premiums

Local 32355 homeowners insurance quotes comparison

$1421 /yr.

Shows Zip Code: 32355 lowest rates with discounts applied on average.

For the 32355, 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)
$1421 /yr.
Average Coverage:$1671 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1971 /yr.

What is the average home insurance cost for a home in 32355?

  • • The average homeowners insurance premium paid annually for a home in 32355 is around $1671 per year.

What does it cost on average per month for home insurance in 32355?

  • • Homeowners in 32355 pay a monthly average cost per month around $139.00.

What kind of discount could I get if I combine my home and auto insurance together in 32355?

  • • Autoowners in 32355 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 Saint Marks area, check out other zip codes nearby 32355.
Review average rates in another zip code:
32355 homeowners insurance rates

Home Replacement Cost Coverage in 32355

Average Building Cost Per Square Foot in 32355: $167

Location: Saint Marks, Florida (Wakulla County)

Average Square Footage in 32355: 1,310 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32355 before you start any project. Saint Marks 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 32355 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 32355 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,310 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 Saint Marks 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$1671,310$218,800
Additional Upgrades & Added Features$2091,310$273,500
Major Home Updates or Advancements$2511,310$328,200

It's important to understand that when you estimate your replacement cost of your home in the 32355 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 32355

Best Home & Auto Insurance Agencies in 32355

Housing Demographics for 32355

Population Review for 32355 Zip Code

For the city of Saint Marks, the population within 32355 has increased to over 0 residents in population size. The current population total is 284. We have broken down the population based on race below. In 32355, there are over 145 in male population and 139 females.

Total Population284
White Population250
Black Population5
Hispanic Population7
Asian Population3
Hawaiian Population0
Indian Population0
Other Population5
Male Population145
Female Population139
Population Estimate0

Household Data for 32355

The average number of homes in 32355 is around 155, there are an average of 1.83 per household. The average house value according to local real estate values is around $218,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode155
Persons Per Household1.83
Average House Value$218,800
Income Per Household$43125
Median Age54.7
Median Age Male55.8
Median Age Female54.1
32355 DetailsValues
State Full NameFlorida
City TypeZ
City Alias Abbreviation
Area Code850/448
CitySaint Marks
City Alias NameSAINT MARKS
County FIPS129
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameTallahassee, FL
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses10
Number Of Employees81
Business First Quarter Payroll811
Business Annual Payroll3244
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population367413
CBSA Division Population0
Congressional District02
Congressional LandArea8613.58
Delivery Residential0
Delivery Business0
Delivery Total262
Preferred Last Line KeyY22835
Classification CodeP
CSA NameTallahassee-Bainbridge, FL-GA
City State KeyY22835
Land Area2.778000
Water Area0.007000
City Alias Code
City Mixed CaseSaint Marks
City Alias Mixed CaseSaint Marks
Box Count233
State ANSI12
County ANSI129
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number118235
Unique ZIP Name
SSA State County Code10640
Medicare CBSA Code45220
Medicare CBSA NameTallahassee, FL
Medicare CBSA TypeMetro
Market Rating Area ID65
County Mixed CaseWakulla

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 […]