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32697, FL Home Insurance

In the zip code of 32697, the population size is around 278, which consists of 101 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Worthington Springs, FL. A few years ago, a study was done and found that the average home insurance rates for Florida are around $1,638 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 32697 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Worthington Springs. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-888-685-4704 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click Worthington Springs, FL Homeowners Insurance Online Rates Today!

32697 Home Insurance Average Premiums

Local 32697 homeowners insurance quotes comparison

$1388 /yr.

Shows Zip Code: 32697 lowest rates with discounts applied on average.

For the 32697, 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)
$1388 /yr.
Average Coverage:$1638 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1938 /yr.

What is the average home insurance cost for a home in 32697?

  • • The average homeowners insurance premium paid annually for a home in 32697 is around $1638 per year.

What does it cost on average per month for home insurance in 32697?

  • • Homeowners in 32697 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 32697?

  • • Autoowners in 32697 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 Worthington Springs area, check out other zip codes nearby 32697.
Review average rates in another zip code:
32697 homeowners insurance rates

Home Replacement Cost Coverage in 32697

Average Building Cost Per Square Foot in 32697: $167

Location: Worthington Springs, Florida (Union County)

Average Square Footage in 32697: 455 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32697 before you start any project. Worthington Springs 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 32697 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 32697 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 455 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 Worthington Springs 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$167455$76,000
Additional Upgrades & Added Features$209455$95,000
Major Home Updates or Advancements$251455$114,000

It's important to understand that when you estimate your replacement cost of your home in the 32697 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 32697

Best Home & Auto Insurance Agencies in 32697

Housing Demographics for 32697

Population Review for 32697 Zip Code

For the city of Worthington Springs, the population within 32697 has increased to over 0 residents in population size. The current population total is 278. We have broken down the population based on race below. In 32697, there are over 149 in male population and 129 females.

PopulationValues
Total Population278
White Population214
Black Population38
Hispanic Population6
Asian Population0
Hawaiian Population0
Indian Population3
Other Population2
Male Population149
Female Population129
Population Estimate0

Household Data for 32697

The average number of homes in 32697 is around 101, there are an average of 2.75 per household. The average house value according to local real estate values is around $76,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode101
Persons Per Household2.75
Average House Value$76,000
Income Per Household$0
Median Age25.1
Median Age Male23.3
Median Age Female27.6
32697 DetailsValues
StateFL
State Full NameFlorida
City TypeZ
City Alias AbbreviationWORTHNGTN SPG
Area Code386
CityWorthington Springs
City Alias NameWORTHINGTON SPRINGS
CountyUnion
County FIPS125
State FIPS12
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses9
Number Of Employees45
Business First Quarter Payroll328
Business Annual Payroll1588
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 District03
Congressional LandArea7306.05
Delivery Residential0
Delivery Business0
Delivery Total360
Preferred Last Line KeyY23281
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY23281
Land Area0.276000
Water Area0.009000
City Alias Code
City Mixed CaseWorthington Springs
City Alias Mixed CaseWorthington Springs
Box Count169
SFDU0
MFDU0
State ANSI12
County ANSI125
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number119705
Unique ZIP Name
SSA State County Code10620
Medicare CBSA Code99910
Medicare CBSA NameRural Areas in FL
Medicare CBSA TypeMicro
Market Rating Area ID63
County Mixed CaseUnion

Florida Homeowners Insurance News & Information

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024

    Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]

  • Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

    A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

  • Florida Lawmakers May Allow Takeout Offers to Citizens’ Policyholders Posted on Wednesday 13th March, 2024

    Lawmakers in Florida are moving closer to allowing specific insurer types to make offers to policyholders currently with Citizen’s Property to insure their vacation or second home.  SB 1716 this week cleared the Senate’s Fiscal Policy Committee for the takeout offers after the Senate’s Banking and Insurance Committee approved the measure earlier this month.  This […]

  • 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 […]