Duval County is the third most northern county along Florida’s Atlantic coastline, and according to the US Census Bureau, the population of Duval County is 957,755 as of 2019. Although much of the county is considered urban and suburban, it also features two nationally protected areas, the Fort Caroline National Memorial and the Timucuan Ecological and Historic Preserve.
Living in Duval
The median value for Duval County owner-occupied homes is $166,900 and the county’s median home value is $43,573. These figures put Duval County’s residents below both Florida and the overall United States in terms of wealth, which is likely contributed to by the variety of types of properties and employment that urban residents in the county have.
The county is home to Jacksonville, the most populated city in Florida, and the associated metropolitan area. Jacksonville alone had over 900,000 residents in 2018, which represents almost 95 percent of the county’s population. The overall metropolitan area has over 1.5 million residents, which are spread out across the seven northeastern-most counties in the state.
Home Insurance Premiums in Duval County
In Duval County, the average premiums for home insurance policies range between homes pre-2001 homes with and without wind mitigation, as well as for homes that are new construction. As you can see in the table below, having protective features built into your home can help you save money on home insurance each year.
Average Homeowners Premiums in Duval County
| Construction Type | Home Value | Average Premium |
|---|---|---|
| Pre-2001 (No Wind Mitigation) | $150,000 | $1,659.22 |
| Pre-2001 (With Wind Mitigation) | $150,000 | $1,113.00 |
| New Construction | $300,000 | $1,822.48 |
| Overall Average | $1,531.57 |
The overall average premium for home insurance in the county is $1,531, according to the data provided by Florida’s Office of Insurance Regulation. To save even more money on your home insurance premium, you’ll need to gather several quotes to compare the insurance companies that operate locally. In Duval County, the companies offering the most affordable home insurance policies offer average premiums that can be almost 50 percent cheaper than the county average.
Don’t assume that the first quote or two you receive that are within your budget are the best offers that you’ll receive. It’s important to check out different options because every insurance company has its own methods for calculating your quote. So make sure to thoroughly assess the policies available to you and get help from an insurance agent if needed.
For $150,000 homes built before 2001 without wind mitigation, the average premium is $1,659.
A list of cheaper options:
- Stillwater – $1,113
- Florida Peninsula – $1,125
- Citizens – $1,176
- First Protective – $1,198
List of Companies & Rates for Home Valued at $150,000, Pre-2001 Construction Without Wind Mitigation Rate in Duval County
| Company Name | Annual Premium |
|---|---|
| Stillwater | $1,113 |
| Florida Peninsula | $1,125 |
| Citizens | $1,176 |
| First Protective | $1,198 |
| Southern Fidelity | $1,234 |
| Universal | $1,281 |
| First Community | $1,320 |
| St. Johns | $1,402 |
| Tower Hill Prime | $1,493 |
| Universal | $1,532 |
| Florida Family | $1,536 |
| FedNat | $1,660 |
| Tower Hill Preferred | $1,664 |
| Tower Hill Select | $1,674 |
| American Traditions | $1,708 |
| American Integrity | $1,741 |
| Tower Hill Signature | $1,755 |
| People's Trust | $1,782 |
| ASI | $1,820 |
| Castle Key | $1,827 |
| Liberty Mutual | $1,830 |
| Security First | $1,841 |
| Florida Farm | $1,900 |
| Family Security | $1,929 |
| State Farm Florida | $2,042 |
| Auto Club Florida | $2,319 |
| Southern Oak | $2,897 |
| Average | $1,659.22 |
For $150,000 homes built before 2001 with wind mitigation, the average premium is $1,113.
A list of cheaper options:
- Citizens – $700
- Stillwater – $732
- Universal – $750
- St. Johns – $786
List of Companies & Rates for Home Valued at $150,000, Pre-2001 Construction With Wind Mitigation Rate in Duval County
| Company Name | Annual Premium |
|---|---|
| Citizens | $700 |
| Stillwater | $732 |
| Universal | $750 |
| St. Johns | $786 |
| Florida Farm | $801 |
| Universal | $806 |
| First Protective | $812 |
| Florida Peninsula | $885 |
| Southern Fidelity | $975 |
| Tower Hill Prime | $990 |
| First Community | $1,002 |
| FedNat | $1,018 |
| Tower Hill Select | $1,066 |
| People's Trust | $1,092 |
| Florida Family | $1,120 |
| American Traditions | $1,165 |
| Tower Hill Signature | $1,171 |
| Tower Hill Preferred | $1,194 |
| American Integrity | $1,200 |
| ASI | $1,301 |
| Southern Oak | $1,387 |
| Liberty Mutual | $1,408 |
| Castle Key | $1,487 |
| Family Security | $1,502 |
| Auto Club Florida | $1,511 |
| Security First | $1,568 |
| State Farm Florida | $1,622 |
| Average | $1,113.00 |
For $300,000 homes with new construction, the average premium is $1,822.
A list of cheaper options:
- Stillwater – $948
- St. Johns – $1,263
- Universal – $1,381
- Florida Peninsula – $1,414
List of Companies & Rates for Home Valued at $300,000, New Construction in Duval County
| Company Name | Annual Premium |
|---|---|
| Stillwater | $948 |
| St. Johns | $1,263 |
| Universal | $1,381 |
| Universal | $1,381 |
| Florida Peninsula | $1,414 |
| First Protective | $1,428 |
| Citizens | $1,435 |
| Florida Farm | $1,501 |
| Southern Oak | $1,541 |
| First Community | $1,585 |
| American Traditions | $1,648 |
| Tower Hill Select | $1,683 |
| People's Trust | $1,735 |
| American Integrity | $1,785 |
| Tower Hill Prime | $1,868 |
| Southern Fidelity | $1,895 |
| FedNat | $1,898 |
| Florida Family | $1,946 |
| Tower Hill Preferred | $2,079 |
| Castle Key | $2,122 |
| Tower Hill Signature | $2,141 |
| ASI | $2,180 |
| Family Security | $2,221 |
| Auto Club Florida | $2,228 |
| Security First | $2,294 |
| State Farm Florida | $2,773 |
| Liberty Mutual | $2,834 |
| Average | $1,822.48 |
Flood Insurance in Duval
With Duval County’s location along the Atlantic Coast, homes in the area are highly vulnerable to damage from tropical storms during hurricane season each year. This means that Duval County homeowners should be concerned with protecting their homes from flooding damage that can occur.
The best way to protect your home is through purchasing a separate flood insurance policy, as standard FL homeowners insurance won’t cover the damage. You can purchase an affordable policy from the government’s federal National Flood Insurance Program (NFIP) through locally operating companies like First Protective. However, if your home is worth more than $250,000, you need an additional policy as that is the max value of the NFIP coverage.
