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Flagler County, FL Homeowners Insurance Quotes

Are you looking for a quick comparison of Flagler County, FL homeowners insurance quotes to review and compare the best rates today? We can provide up to 12 or more competitive home insurance rates with different coverage options from a basic HO-3 standard homeowner policy to a bundle / packaged discount policy that would include your home and auto grouped together. A basic policy for homeowners living in Flagler County includes protection against most major perils. If you are in need of earthquake or flood insurance, then we can help you find additional coverage. As you may know, a flood policy is separate from a standard HO-3 policy.

Coastal Flagler County, FL Home Insurance

Flagler County is located near the coast as you know, so it is important to understand that flood protection is crucial for homes in your area that are prone to hurricanes and tropical wind storms. We recommend you speak with us if you have questions about your coastal homeowners insurance coverage. Flood insurance is not part of your basic homeowners (HO-3) policy, but can easily be bundled to help give you the added protection you need. We offer an easy way to review the best flood insurance rates for Flagler County, please give us a call at 888-620-1954 for completitive flood insurance rates in your area.

Affordable Flagler County Rates

Homeowners living in Flagler County, pay on average around $2165 per year or $180.42 a month for home insurance. Let us help you shop multiple coverage options and provide up to 40% off in discount savings for your home in Flagler County. Online rate quotes can be easily reviewed by entering your zip code of the property you would like to insure or give us a call now at 1-888-685-4704

For all Flagler County, FL residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Flagler County? Simply enter your zip code to get your Florida homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Flagler County, FL Housing Demographics

With 95,696 residents living within the Flagler County area there are over 48,595 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 27,843 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Flagler County.

DemographicValues
Total Occupied Households39,186
Family Households (families)27,843
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units48,595

Flagler County, FL Coastal Wind, Hail & Flood Information

For all homeowners living in Flagler County (FIPS: 12035), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of Florida is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Flagler County, FL, it's important that you look into hurricane and windstorm insurance options.

Flagler County boarders a shoreline which increases the risk of wind, hail and flood damage. We will look into providing the best rates possible considering your home is located in the coastal area of Florida.

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Flagler County, FL Home Insurance Average Premiums

Local Flagler, FL homeowners insurance quotes comparison

$1,735 /yr.

Florida's Average Home Insurance Rates Overall

For the state of Florida, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 1 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$929 /yr.
Current Average Cost:$1,735 /yr.
Maximum Range:$2165 /yr.

Flagler County, FL Coastal Wind, Hail & Flood Information

Flagler is a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal county of Flagler is know for it's beautiful beaches and waterways. Because Flagler County (FIPS: 12035) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Flagler County.

Coastal Flagler County Information: To obtain flood insurance coverage, the process usually takes more than 30 days to finalize, if you need flood insurance coverage now, please call us at 888-620-1954.
For more information about your area, please click Coastal Homeowners Insurance in Florida

Florida Homeowners Insurance News & Information

  • 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 […]

  • 2023 Hurricane Idalia – Clean Up Begins & What Now for Florida Homeowners Posted on Friday 8th September, 2023

    Hurricane Idalia recently made landfall in Big Bend as a Category 3 storm, killing at least three people in Florida before moving onto Georgia and other East Coast states before it weakened into a tropical storm. The storm left over 330,000 people without power. In recent years, Florida communities have been hit by a string […]

  • Florida home insurance companies and rates Experts See Optimism About Florida’s Homeowners Insurance Market Posted on Thursday 31st August, 2023

    While it may sound too good to be true, according to industry experts, there is finally a bit of optimism about Florida’s homeowners insurance market. While they don’t foresee rates dropping anytime soon, they are hopeful that the insurance market is stabilizing which could lead to minor rate drops next year or at least a […]

  • Florida Insurers to Take Policies from Citizens Property Posted on Tuesday 22nd August, 2023

    Starting in October, private insurance companies may start pulling customers from the state backed, insurer of last resort, Citizens Property Insurance Corp. According to a recent report, Insurance Commissioner Michael Yaworsky has approved private insurers to take up to 184,000 policies from Citizens Property. Yaworsky signed orders that will approve proposals by a variety of […]

Discounts For Homeowners in Flagler County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Florida homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Flagler County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Flagler County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Flagler County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Flagler County Housing & Real Estate Data

Details:Statistics
Total Housing Units48595
Occupied Housing Units39186
Vacant Housing Units9409
Vacant Housing Units for Rent1256
Vacant Housing Units Rented Not Occupied85
Vacant Housing Units For Sale1346
Vacant Housing Units Sold Not Occupied184
Vacant Housing Units For Seasonal Occasional Use4489
Vacant Housing Units All Other Vacants2049
Housing Units Homeowner Vacancy Rate Percent4
Housing Units Rental Vacancy Rate Percent12
Housing Tenure Occupied Units39186
Housing Tenure Occupied Units Owner Occupied30020
Housing Tenure Occupied Units Owner Occupied Population69416
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied9166
Housing Tenure Occupied Units Renter Occupied Population25596
Housing Tenure Occupied Units Renter Occupied Average Household Size3