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32461 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 32461 zip code find a great new policy that offers the coverage they need at a price they can afford. makes shopping for a new policy in Inlet Beach, FL quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 32461.

Shopping for insurance quotes on is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 32461 and start shopping.

Quickly and Easily Compare Average Rates for 32461

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Inlet Beach, FL home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 32461

Homeowners in Inlet Beach are paying roughly $1522 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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32461 Home Insurance Average Premiums

Local 32461 homeowners insurance quotes comparison

$1272 /yr.

Shows Zip Code: 32461 lowest rates with discounts applied on average.

For the 32461, 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)
$1272 /yr.
Average Coverage:$1522 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1822 /yr.

What is the average home insurance cost for a home in 32461?

  • • The average homeowners insurance premium paid annually for a home in 32461 is around $1522 per year.

What does it cost on average per month for home insurance in 32461?

  • • Homeowners in 32461 pay a monthly average cost per month around $127.00.

What kind of discount could I get if I combine my home and auto insurance together in 32461?

  • • Autoowners in 32461 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 Inlet Beach area, check out other zip codes nearby 32461.
Review average rates in another zip code:

Home Replacement Cost Coverage in 32461

Average Building Cost Per Square Foot in 32461: $167

Location: Inlet Beach, Florida (Walton County)

Average Square Footage in 32461: 4,058 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32461 before you start any project. Inlet 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 32461 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 32461 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 4,058 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 Inlet 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$1674,058$677,700
Additional Upgrades & Added Features$2094,058$847,125
Major Home Updates or Advancements$2514,058$1,016,550

It's important to understand that when you estimate your replacement cost of your home in the 32461 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 32461

Best Home & Auto Insurance Agencies in 32461

Housing Demographics for 32461

Population Review for 32461 Zip Code

For the city of Inlet Beach, the population within 32461 has increased to over 7,178 residents in population size. The current population total is 2,878. We have broken down the population based on race below. In 32461, there are over 1392 in male population and 1486 females.

Total Population2,878
White Population2638
Black Population19
Hispanic Population105
Asian Population28
Hawaiian Population1
Indian Population6
Other Population21
Male Population1392
Female Population1486
Population Estimate7178

Household Data for 32461

The average number of homes in 32461 is around 1,318, there are an average of 2.18 per household. The average house value according to local real estate values is around $677,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,318
Persons Per Household2.18
Average House Value$677,700
Income Per Household$127148
Median Age52.4
Median Age Male53.6
Median Age Female51.3
32461 DetailsValues
State Full NameFlorida
City TypeN
City Alias Abbreviation
Area Code850/448
CityInlet Beach
City Alias NameINLET BEACH
County FIPS131
State FIPS12
Time Zone6
Day Light SavingY
CBSA_NameCrestview-Fort Walton Beach-Destin, FL
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses189
Number Of Employees1318
Business First Quarter Payroll18736
Business Annual Payroll87896
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 District02
Congressional LandArea8613.58
Delivery Residential3293
Delivery Business146
Delivery Total3742
Preferred Last Line Key009116
Classification Code
CSA Name
City State Key009116
Land Area14.871000
Water Area2.150000
City Alias Code
City Mixed CaseInlet Beach
City Alias Mixed CaseInlet Beach
Box Count0
State ANSI12
County ANSI131
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number117260
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

  • 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 […]