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Home Insurance in Calhoun County, FL: Companies & Premiums

Home Insurance in Calhoun County, FL: Companies & Premiums

Home Insurance in Calhoun County, FL: Companies & Premiums
Beautiful home in Blountstown, FL, the Calhoun County seat. Source: Zillow

Located in the center of the Florida Panhandle, Calhoun County is a landlocked municipality with one of the lowest populations in the state. As of 2019, the county only had 14,105 residents according to the US Census Bureau. Additionally, the state has a median household income of $38,609 as of 2018, which is almost half of the national median household income.

Population Centers in Calhoun

The county seat, Blountstown is the largest city in Calhoun County, and its residents make up roughly 15 percent of the county’s population. The largely rural county has a fairly low population density and is primarily made up of unincorporated communities rather than official cities and towns.

The median home value in the county is $81,300 for owner-occupied homes from 2014-2018 according to the US Census. Despite the low property value, the average homeowners premium is not as inexpensive as in similar housing markets found in nearby counties. 

Although Calhoun County is landlocked, it’s still fairly close to the Gulf coastline, and it’s recently seen significant damage from Hurricane Michael in 2018, which is something that insurance companies would take into account when calculating premium quotes for homeowners living in the county.

Home Insurance Premiums in Calhoun County

The average home insurance premium in Florida for this county depends on what type of construction the home you’re considering has. In regions like the Southeast that experience hurricane season, home features like wind mitigation can make a big difference in how much you have to pay for home insurance each year.

Homes that were built prior to 2001 may or may not have wind mitigation, but homes constructed after that do because they have had to meet more recent building codes. If you’re considering purchasing a property in Calhoun County, you’ll need to know its construction type so you can use the table below to get an idea of what your home insurance might cost.

Average Homeowners Premiums in Calhoun County

Construction TypeHome ValueAverage Premium
Overall Average$1,757.67
Pre-2001 (No Wind Mitigation)$150,000$1,869.41
Pre-2001 (With Wind Mitigation)$150,000$1,297.22
New Construction$300,000$2,106.37

The numbers collected were provided by  Florida’s Office of Insurance Regulation highlighting an overall homeowners average of $1,758 for the county. Although averages can give you a rough estimate of the costs you can potentially pay for home insurance in Calhoun County, you don’t have to settle for paying these prices, as there are companies whose average premiums in recent years come well below the county averages.

These companies have had average premiums that are hundreds of dollars cheaper compared to the county-wide average, so getting quotes from these insurers is a smart place to start when shopping for an affordable policy.

For $150,000 homes built before 2001 without wind mitigation, the average premium is $1,869.

To find below-average rates, check out these companies below:

List of Companies & Rates for Home Valued at $150,000, Pre-2001 Construction Without Wind Mitigation Rate in Calhoun County

CompanyAnnual Premium
Average$1,869.41
Citizens$1,035
Florida Peninsula$1,138
Security First$1,268
Universal$1,281
First Protective$1,305
Tower Hill Prime$1,323
Southern Fidelity$1,501
Stillwater$1,547
Florida Farm Bureau$1,568
People's Trust$1,600
Family Security$1,676
First Community$1,711
Tower Hill Preferred$1,734
Tower Hill Select$1,786
Liberty Mutual$1,813
American Integrity$1,829
American Traditions$1,855
Castle Key$1,918
ASI$1,977
Tower Hill Signature$1,984
FedNat$2,156
Florida Family$2,416
Auto Club of Florida$2,501
State Farm Florida$2,574
St. Johns$2,801
Southern Oak$2,984
Universal$3,193

For $150,000 homes built before 2001 with wind mitigation, the average premium is $1,297.

To find below-average rates, check out these companies below:

  • Citizens – $731
  • Universal – $751
  • Flordia Farm – $813
  • First Protective – $832

List of Companies & Rates for Home Valued at $150,000, Pre-2001 Construction With Wind Mitigation Rate in Calhoun County

CompanyAnnual Premium
Average$1,297.22
Citizens$731
Universal$751
Florida Farm Bureau$813
First Protective$832
Florida Peninsula$890
Tower Hill Prime$923
FedNat$954
Security First$1,086
Stillwater$1,087
People's Trust$1,108
Southern Fidelity$1,175
Tower Hill Preferred$1,206
Tower Hill Select$1,259
Family Security$1,310
Tower Hill Signature$1,320
First Community$1,341
American Traditions$1,351
Liberty Mutual$1,372
American Integrity$1,391
ASI$1,566
St. Johns$1,566
Castle Key$1,575
Southern Oak$1,612
Florida Family$1,756
Auto Club of Florida$1,759
Universal$2,080
State Farm Florida$2,211

For $300,000 Homes with new construction, the average premium is $2,106.

To find below-average rates, check out these companies below:

List of Companies & Rates for Home Valued at $300,000, New Construction in Calhoun County

CompanyAnnual Premium
Average$2,106.37
Universal$1,388
Stillwater$1,407
Florida Peninsula$1,424
Florida Farm Bureau$1,452
Citizens$1,458
First Protective$1,483
Security First$1,507
People's Trust$1,651
Tower Hill Prime$1,738
American Traditions$1,857
Family Security$1,915
Southern Oak$1,936
Tower Hill Select$1,969
American Integrity$1,988
FedNat$2,019
First Community$2,089
Tower Hill Preferred$2,101
Castle Key$2,284
Southern Fidelity$2,293
Tower Hill Signature$2,445
St. Johns$2,504
Auto Club of Florida$2,537
ASI$2,542
Liberty Mutual$2,786
Florida Family$3,089
Universal$3,298
State Farm Florida$3,712

Flood Insurance in Calhoun

While shopping for home insurance, you’ll need to also consider where you want to purchase your flood insurance policy. Although a landlocked area like Calhoun County might not suffer as much damage as counties on the Gulf coast, homeowners still need to be protected in case their home is affected by flooding during hurricane season.

Regardless of the county’s exposure to water from the Gulf, heavy rains during hurricanes and other tropical storms can bring devastating damage that you’ll need to repair, and standard home insurance policies won’t cover those costs. 

Through the Federal National Flood Insurance Program, you can get an affordable policy underwritten by companies like First Protective to make sure your home is covered.

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