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Homeowners Insurance coverage in 32459

If you are a homeowner in 32459 or Santa Rosa Beach, FL you can now easily shop for homeowners insurance from the comfort of your own home. Check out and we will provide you with up to 12 insurance rate quotes from a variety of national insurance companies, making sure that you get the best premium quotes in Santa Rosa Beach.

Our service is always free so join the thousands of homeowners who have shopped for coverage, compared a variety of quotes and purchased a great policy using our site. Enter your zip code now and start shopping for a brand new homeowners policy.

Compare rates and find the best homeowners policy in 32459.

Learn more about our homeowners insurance shopping service by selecting the best Santa Rosa Beach, FL Home Insurance Quotes Online.

What is the Average Home Insurance Rates in 32459?

Residents of Santa Rosa Beach have found that shopping online for homeowners insurance coverage saves them not only time but money as well. So what is the average rate for homeowners insurance in Florida? While Florida is not the cheapest state in the country when it comes to homeowners insurance, it does rank fairly well. According to industry data, Florida comes in at 1 in the country for homeowners insurance premiums.

If you are living in 32459 zipcode, expect to pay around $1555 for homeowners coverage compared to the national average of $1,249. It’s important to remember that these figures are averages and your own premium may be higher or lower depending on your personal factors.

Average rates listed here are based on a standard homeowners insurance policy, which protects your home, personal possessions, liability protection, loss of use and even medical payments. As with most standard homeowner insurance policies, coverage in Santa Rosa Beach does not offer protection against flood damage. If you live within a flood zone, a separate flood insurance policy may be required.

Get started now and our agents will help you determine what coverages your need and the ideal coverage levels for your particular situation.

32459 Home Insurance Average Premiums

Local 32459 homeowners insurance quotes comparison

$1305 /yr.

Shows Zip Code: 32459 lowest rates with discounts applied on average.

For the 32459, 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)
$1305 /yr.
Average Coverage:$1555 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1855 /yr.

What is the average home insurance cost for a home in 32459?

  • • The average homeowners insurance premium paid annually for a home in 32459 is around $1555 per year.

What does it cost on average per month for home insurance in 32459?

  • • Homeowners in 32459 pay a monthly average cost per month around $130.00.

What kind of discount could I get if I combine my home and auto insurance together in 32459?

  • • Autoowners in 32459 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 Santa Rosa Beach area, check out other zip codes nearby 32459.
Review average rates in another zip code:
32459 homeowners insurance rates

Home Replacement Cost Coverage in 32459

Average Building Cost Per Square Foot in 32459: $167

Location: Santa Rosa Beach, Florida (Walton County)

Average Square Footage in 32459: 2,592 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32459 before you start any project. Santa Rosa Beach 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 32459 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 32459 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,592 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 Santa Rosa Beach 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$1672,592$432,800
Additional Upgrades & Added Features$2092,592$541,000
Major Home Updates or Advancements$2512,592$649,200

It's important to understand that when you estimate your replacement cost of your home in the 32459 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 32459

Best Home & Auto Insurance Agencies in 32459

Housing Demographics for 32459

Population Review for 32459 Zip Code

For the city of Santa Rosa Beach, the population within 32459 has increased to over 36,331 residents in population size. The current population total is 20,567. We have broken down the population based on race below. In 32459, there are over 10089 in male population and 10478 females.

Total Population20,567
White Population17268
Black Population262
Hispanic Population1988
Asian Population363
Hawaiian Population15
Indian Population117
Other Population910
Male Population10089
Female Population10478
Population Estimate36331

Household Data for 32459

The average number of homes in 32459 is around 8,275, there are an average of 2.47 per household. The average house value according to local real estate values is around $432,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,275
Persons Per Household2.47
Average House Value$432,800
Income Per Household$94648
Median Age43.2
Median Age Male42.7
Median Age Female43.7
32459 DetailsValues
State Full NameFlorida
City TypeP
City Alias AbbreviationSANTA RSA BCH
Area Code850/448
CitySanta Rosa Beach
County FIPS131
State FIPS12
Time Zone6
Day Light SavingY
CBSA_NameCrestview-Fort Walton Beach-Destin, FL
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses1216
Number Of Employees7171
Business First Quarter Payroll71563
Business Annual Payroll340944
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population180822
CBSA Division Population0
Congressional District01|02
Congressional LandArea4016.3|8613.58
Delivery Residential14709
Delivery Business944
Delivery Total16239
Preferred Last Line KeyY22857
Classification Code
CSA Name
City State KeyY22857
Land Area54.513000
Water Area14.209000
City Alias Code
City Mixed CaseSanta Rosa Beach
City Alias Mixed CaseSanta Rosa Beach
Box Count538
State ANSI12
County ANSI131
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number118415
Unique ZIP Name
SSA State County Code10650
Medicare CBSA Code18880
Medicare CBSA NameCrestview-Fort Walton Beach-Destin, FL
Medicare CBSA TypeMetro
Market Rating Area ID66
County Mixed CaseWalton

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 […]