Get multiple home insurance quotes in 32440. Our licensed 32440, FL agents are ready to serve you.

32440 Home Insurance Rates

Getting multiple homeowners insurance rates in 32440 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 Graceville, FL. Many homeowners based out of the 32440 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 32440 should appear in the zip code field ready to go. For Graceville, FL Home Insurance Quotes, Click to easily get started!

32440 Homeowners Insurance Rates, Average Rating: Very High!

Your homeowners insurance policy in 32440 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 Graceville. For a basic HO-3, standard homeowners policy, the average premium per year in Florida is around $1631. By shopping your home insurance with us at, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 32440 zip code today and let us help you save time and money on your homeowners insurance premium.

Get 32440 Home Insurance Rates Today and Save!

32440 Home Insurance Average Premiums

Local 32440 homeowners insurance quotes comparison

$1381 /yr.

Shows Zip Code: 32440 lowest rates with discounts applied on average.

For the 32440, 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)
$1381 /yr.
Average Coverage:$1631 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1931 /yr.

What is the average home insurance cost for a home in 32440?

  • • The average homeowners insurance premium paid annually for a home in 32440 is around $1631 per year.

What does it cost on average per month for home insurance in 32440?

  • • Homeowners in 32440 pay a monthly average cost per month around $136.00.

What kind of discount could I get if I combine my home and auto insurance together in 32440?

  • • Autoowners in 32440 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 Graceville area, check out other zip codes nearby 32440.
Review average rates in another zip code:
32440 homeowners insurance rates

Home Replacement Cost Coverage in 32440

Average Building Cost Per Square Foot in 32440: $167

Location: Graceville, Florida (Jackson County)

Average Square Footage in 32440: 531 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32440 before you start any project. Graceville 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 32440 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 32440 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 531 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 Graceville 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$167531$88,600
Additional Upgrades & Added Features$209531$110,750
Major Home Updates or Advancements$251531$132,900

It's important to understand that when you estimate your replacement cost of your home in the 32440 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 32440

Best Home & Auto Insurance Agencies in 32440

Housing Demographics for 32440

Population Review for 32440 Zip Code

For the city of Graceville, the population within 32440 has increased to over 5,613 residents in population size. The current population total is 7,581. We have broken down the population based on race below. In 32440, there are over 4763 in male population and 2818 females.

Total Population7,581
White Population5295
Black Population1768
Hispanic Population292
Asian Population15
Hawaiian Population9
Indian Population31
Other Population175
Male Population4763
Female Population2818
Population Estimate5613

Household Data for 32440

The average number of homes in 32440 is around 2,233, there are an average of 2.40 per household. The average house value according to local real estate values is around $88,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,233
Persons Per Household2.40
Average House Value$88,600
Income Per Household$46592
Median Age42.2
Median Age Male40.4
Median Age Female46.4
32440 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850/448
County FIPS063
State FIPS12
Time Zone6
Day Light SavingY
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses87
Number Of Employees1395
Business First Quarter Payroll16697
Business Annual Payroll58675
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 Residential2339
Delivery Business121
Delivery Total5104
Preferred Last Line KeyY21960
Classification Code
CSA Name
City State KeyY21960
Land Area107.358000
Water Area1.007000
City Alias Code
City Mixed CaseGraceville
City Alias Mixed CaseGraceville
Box Count133
State ANSI12
County ANSI063
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number113435
Unique ZIP Name
SSA State County Code10310
Medicare CBSA Code99910
Medicare CBSA NameRural Areas in FL
Medicare CBSA TypeMicro
Market Rating Area ID31
County Mixed CaseJackson

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 […]