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Quickly Revew Homeowners Insurance in 32465

If you own a home in Wewahitchka, FL you need a great homeowners policy to protect your home and possessions. Industry experts recommend shopping your homeowners insurance on a yearly basis to ensure that you are getting the best price and coverage levels. can help you shop your coverage and find the best policy for your home in 32465 zip code. Our service is always free and we will gather quotes from up to 12 nationwide insurers so you can see all of your homeowners insurance options in one place. Our Florida licensed agents will also review your needs and make sure you have the appropriate coverage for your home.

If you want to see real savings on the cost of homeowners insurance start shopping right now. Get started by clicking the Get Multiple Quotes Now" button below, verify your 32465 and start comparing rates now.

32465 Homeowners Insurance Rates Are Considered: very high!

The average rate for a standard homeowners policy in 32465 is $1643 according to industry data. We can help you achieve substantial savings by using our online quoting process to find the best policy for your specific home. We will also make sure you are fully covered. Insurance policies and coverage levels vary so it is key to fully understand your policy and what it covers as well as any coverage limitations.

We only deal with reputable, nationwide insurers so you can be confident that if you do need to make a claim it will be handled quickly and fairly. It’s time to start shopping for a new policy.

Get 32465 Home Insurance Rate Quotes Right Now!

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

32465 Home Insurance Average Premiums

Local 32465 homeowners insurance quotes comparison

$1393 /yr.

Shows Zip Code: 32465 lowest rates with discounts applied on average.

For the 32465, 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)
$1393 /yr.
Average Coverage:$1643 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1943 /yr.

What is the average home insurance cost for a home in 32465?

  • • The average homeowners insurance premium paid annually for a home in 32465 is around $1643 per year.

What does it cost on average per month for home insurance in 32465?

  • • Homeowners in 32465 pay a monthly average cost per month around $137.00.

What kind of discount could I get if I combine my home and auto insurance together in 32465?

  • • Autoowners in 32465 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 Wewahitchka area, check out other zip codes nearby 32465.
Review average rates in another zip code:
32465 homeowners insurance rates
32449 homeowners insurance rates

Home Replacement Cost Coverage in 32465

Average Building Cost Per Square Foot in 32465: $167

Location: Wewahitchka, Florida (Gulf County)

Average Square Footage in 32465: 707 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32465 before you start any project. Wewahitchka 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 32465 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 32465 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 707 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 Wewahitchka 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$167707$118,000
Additional Upgrades & Added Features$209707$147,500
Major Home Updates or Advancements$251707$177,000

It's important to understand that when you estimate your replacement cost of your home in the 32465 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 32465

Best Home & Auto Insurance Agencies in 32465

Housing Demographics for 32465

Population Review for 32465 Zip Code

For the city of Wewahitchka, the population within 32465 has increased to over 6,789 residents in population size. The current population total is 7,251. We have broken down the population based on race below. In 32465, there are over 4175 in male population and 3076 females.

Total Population7,251
White Population5892
Black Population854
Hispanic Population280
Asian Population20
Hawaiian Population4
Indian Population41
Other Population128
Male Population4175
Female Population3076
Population Estimate6789

Household Data for 32465

The average number of homes in 32465 is around 2,510, there are an average of 2.46 per household. The average house value according to local real estate values is around $118,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,510
Persons Per Household2.46
Average House Value$118,000
Income Per Household$42394
Median Age42.9
Median Age Male41.4
Median Age Female45.5
32465 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850
County FIPS045
State FIPS12
Time Zone6
Day Light SavingY
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses78
Number Of Employees567
Business First Quarter Payroll4089
Business Annual Payroll18595
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 Residential2760
Delivery Business70
Delivery Total3280
Preferred Last Line KeyY23249
Classification Code
CSA Name
City State KeyY23249
Land Area315.729000
Water Area11.666000
City Alias Code
City Mixed CaseWewahitchka
City Alias Mixed CaseWewahitchka
Box Count371
State ANSI12
County ANSI045
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number119495
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

  • 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 […]