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32544, FL Homeowners Insurance Rates

With a population size of 1,509 and with 360 occupied homes in the 32544 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Hurlburt Field, FL are around $1,630 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 GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Hurlburt Field, 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 Hurlburt Field, FL.

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

32544 Home Insurance Average Premiums

Local 32544 homeowners insurance quotes comparison

$1380 /yr.

Shows Zip Code: 32544 lowest rates with discounts applied on average.

For the 32544, 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)
$1380 /yr.
Average Coverage:$1630 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1930 /yr.

What is the average home insurance cost for a home in 32544?

  • • The average homeowners insurance premium paid annually for a home in 32544 is around $1630 per year.

What does it cost on average per month for home insurance in 32544?

  • • Homeowners in 32544 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 32544?

  • • Autoowners in 32544 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 Hurlburt Field area, check out other zip codes nearby 32544.
Review average rates in another zip code:
32544 homeowners insurance rates

Home Replacement Cost Coverage in 32544

Average Building Cost Per Square Foot in 32544: $167

Location: Hurlburt Field, Florida (Okaloosa County)

Average Square Footage in 32544: 988 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32544 before you start any project. Hurlburt Field 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 32544 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 32544 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 988 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 Hurlburt Field 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$167988$165,000
Additional Upgrades & Added Features$209988$206,250
Major Home Updates or Advancements$251988$247,500

It's important to understand that when you estimate your replacement cost of your home in the 32544 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 32544

Best Home & Auto Insurance Agencies in 32544

Housing Demographics for 32544

Population Review for 32544 Zip Code

For the city of Hurlburt Field, the population within 32544 has increased to over 1,478 residents in population size. The current population total is 1,509. We have broken down the population based on race below. In 32544, there are over 862 in male population and 647 females.

PopulationValues
Total Population1,509
White Population955
Black Population168
Hispanic Population264
Asian Population63
Hawaiian Population9
Indian Population5
Other Population71
Male Population862
Female Population647
Population Estimate1478

Household Data for 32544

The average number of homes in 32544 is around 360, there are an average of 3.27 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode360
Persons Per Household3.27
Average House Value$165,000
Income Per Household$36408
Median Age22.1
Median Age Male22.1
Median Age Female22.0
32544 DetailsValues
StateFL
State Full NameFlorida
City TypeN
City Alias AbbreviationHURLBURT FLD
Area Code850/448
CityHurlburt Field
City Alias NameHURLBURT FIELD
CountyOkaloosa
County FIPS091
State FIPS12
Time Zone6
Day Light SavingY
MSA2750
PMSA
CSA
CBSA18880
CBSA_DIV
CBSA_TypeMetro
CBSA_NameCrestview-Fort Walton Beach-Destin, FL
MSA_NameFort Walton Beach, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses56
Number Of Employees1136
Business First Quarter Payroll18484
Business Annual Payroll94059
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
Congressional LandArea4016.3
Delivery Residential452
Delivery Business0
Delivery Total1512
Preferred Last Line Key009655
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State Key009655
Land Area8.225000
Water Area0.326000
City Alias CodeM1P
City Mixed CaseHurlburt Field
City Alias Mixed CaseHurlburt Field
Box Count0
SFDU0
MFDU0
State ANSI12
County ANSI091
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number115715
Unique ZIP Name
SSA State County Code10450
Medicare CBSA Code18880
Medicare CBSA NameCrestview-Fort Walton Beach-Destin, FL
Medicare CBSA TypeMetro
Market Rating Area ID46
County Mixed CaseOkaloosa

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 […]