Get multiple home insurance quotes in 32456. Our licensed 32456, FL agents are ready to serve you.

32456, FL Homeowners Insurance Rates

With a population size of 7,439 and with 3,304 occupied homes in the 32456 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Port Saint Joe, FL are around $1,650 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that is the best place online to shop for home insurance rates in Port Saint Joe, Florida. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-888-685-4704 so we can help you review rates today!

It's important to know that if your Florida home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Port Saint Joe, FL.

For Florida home insurance information, including average Port Saint Joe home insurance rates, coverage options or the different homeowners insurance types, please select Port Saint Joe, FL Home Insurance Quotes Now!

32456 Home Insurance Average Premiums

Local 32456 homeowners insurance quotes comparison

$1400 /yr.

Shows Zip Code: 32456 lowest rates with discounts applied on average.

For the 32456, 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)
$1400 /yr.
Average Coverage:$1650 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1950 /yr.

What is the average home insurance cost for a home in 32456?

  • • The average homeowners insurance premium paid annually for a home in 32456 is around $1650 per year.

What does it cost on average per month for home insurance in 32456?

  • • Homeowners in 32456 pay a monthly average cost per month around $138.00.

What kind of discount could I get if I combine my home and auto insurance together in 32456?

  • • Autoowners in 32456 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 Port Saint Joe area, check out other zip codes nearby 32456.
Review average rates in another zip code:
32456 homeowners insurance rates

Home Replacement Cost Coverage in 32456

Average Building Cost Per Square Foot in 32456: $167

Location: Port Saint Joe, Florida (Gulf County)

Average Square Footage in 32456: 1,571 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32456 before you start any project. Port Saint Joe 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 32456 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 32456 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,571 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 Port Saint Joe 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$1671,571$262,400
Additional Upgrades & Added Features$2091,571$328,000
Major Home Updates or Advancements$2511,571$393,600

It's important to understand that when you estimate your replacement cost of your home in the 32456 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 32456

Costin Insurance Agency

Address: 322 Reid Avenue Port Saint Joe, FL 32456
Phone: (850)229-8899

Best Home & Auto Insurance Agencies in 32456

Allstate Insurance Companies

Address: 221 Reid Ave Port St Joe, FL 32456
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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Housing Demographics for 32456

Population Review for 32456 Zip Code

For the city of Port Saint Joe, the population within 32456 has increased to over 10,004 residents in population size. The current population total is 7,439. We have broken down the population based on race below. In 32456, there are over 3677 in male population and 3762 females.

Total Population7,439
White Population5963
Black Population853
Hispanic Population296
Asian Population39
Hawaiian Population0
Indian Population35
Other Population119
Male Population3677
Female Population3762
Population Estimate10004

Household Data for 32456

The average number of homes in 32456 is around 3,304, there are an average of 2.21 per household. The average house value according to local real estate values is around $262,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,304
Persons Per Household2.21
Average House Value$262,400
Income Per Household$64456
Median Age55.7
Median Age Male54.5
Median Age Female56.9
32456 DetailsValues
State Full NameFlorida
City TypeP
City Alias AbbreviationPORT ST JOE
Area Code850
CityPort Saint Joe
County FIPS045
State FIPS12
Time Zone5
Day Light SavingY
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses300
Number Of Employees1896
Business First Quarter Payroll16738
Business Annual Payroll74900
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 Residential4527
Delivery Business387
Delivery Total4880
Preferred Last Line KeyY22746
Classification Code
CSA Name
City State KeyY22746
Land Area106.216000
Water Area51.714000
City Alias Code
City Mixed CasePort Saint Joe
City Alias Mixed CasePort Saint Joe
Box Count0
State ANSI12
County ANSI045
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number117740
Unique ZIP Name
SSA State County Code10220
Medicare CBSA Code99910
Medicare CBSA NameRural Areas in FL
Medicare CBSA TypeMicro
Market Rating Area ID22
County Mixed CaseGulf

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 […]