Located in the middle of northern Florida, Hamilton County sits along the Florida-Georgia state line to the north. The county is bordered with the Suwannee River on the eastern perimeter and the Withlacoochee River on the western side.
Hamilton County consists of mainly rural communities but it’s close to several midsize cities in the neighboring counties, including the state capital, Tallahassee, as well as Jacksonville, and Gainseville. As of 2019, the population of Hamilton County was 14,428, according to the US Census Bureau.
Living in Hamilton
The majority of Hamilton County residents live in the following three cities: Jasper, Jennings, and White Spring, which are home to roughly 9,000, 4,000 and 3,000 residents, respectively.
The median home value in the county, at $95,233, is on the low end for the state, as is the median household income, which was $34,583 in 2018, almost 50 percent less than the equivalent measure on the national level.
Home Insurance Premiums in Hamilton County
Home insurance premiums in Hamilton are also relatively low for the state and homeowners in the county that own houses with wind mitigation features can get even more affordable home insurance coverage. For homes built prior to 2001, having wind mitigation accounts for roughly 25 percent difference in premium costs, on average.
Average Homeowners Premiums in Hamilton County
| Construction Type | Home Value | Average Premium |
|---|---|---|
| Pre-2001 (No Wind Mitigation) | $150,000 | 1,554.52 |
| Pre-2001 (With Wind Mitigation) | $150,000 | $1,167.85 |
| New Construction | $300,000 | $1,878.52 |
| Overall Average | $1,533.63 |
As apparent from the data provided by Florida’s Office of Insurance Regulation, the overall average for this county is $1,534 for home coverage. Hamilton County homeowners can find even steeper savings if they make sure to shop around when looking for a new home insurance policy. Companies like Universal and Stillwater, on average, offer homeowners the most affordable policy premiums in the county.
If your comparison shopping for home insurance, starting your search with the companies listed below can make your effort to save money net you hundreds of dollars in savings each year. For homes worth $300,000 in Hamilton County, you can potentially spend $800 less than the county-average as a result.
For $150,000 homes built before 2001 without wind mitigation, the average premium is $1,555.
Find cheaper-than-average rates from the companies below:
- Universal – $1,000
- Stillwater – $1,088
- Citizens – $1,097
- Security First – $1,145
List of Companies & Rates for Home Valued at $150,000, Pre-2001 Construction Without Wind Mitigation Rate in Hamilton County
| Company | Annual Premium |
|---|---|
| Universal | $1,000 |
| Stillwater | $1,088 |
| Citizens | $1,097 |
| Security First | $1,145 |
| First Protective | $1,236 |
| Florida Peninsula | $1,242 |
| Tower Hill Prime | $1,270 |
| Southern Fidelity | $1,276 |
| Florida Farm Bureau | $1,312 |
| People's Trust | $1,387 |
| Florida Family | $1,419 |
| Liberty Mutual | $1,448 |
| ASI | $1,468 |
| Family Security | $1,477 |
| First Community | $1,565 |
| American Integrity | $1,583 |
| Tower Hill Preferred | $1,606 |
| Southern Oak | $1,614 |
| American Traditions | $1,617 |
| Tower Hill Signature | $1,726 |
| St. Johns | $1,786 |
| Tower Hill Select | $1,816 |
| Universal | $2,055 |
| Castle Key | $2,056 |
| FedNat | $2,148 |
| Auto Club of Florida | $2,228 |
| State Farm Florida | $2,307 |
| Average | $1,554.52 |
For $150,000 homes built before 2001 with wind mitigation, the average premium is $1,168.
Find cheaper-than-average rates from the companies below:
- Universal Property & Casualty Insurance Company – $588
- First Protective Insurance Company – $762
- Tower Hill Prime – $876
- Florida Peninsula – $953
List of Companies & Rates for Home Valued at $150,000, Pre-2001 Construction With Wind Mitigation Rate in Hamilton County
| Company | Annual Premium |
|---|---|
| Universal | $588 |
| Florida Farm Bureau | $754 |
| First Protective | $762 |
| Citizens | $838 |
| Stillwater | $856 |
| Tower Hill Prime | $876 |
| Florida Peninsula | $953 |
| Southern Fidelity | $1,010 |
| Florida Family | $1,037 |
| Security First | $1,055 |
| People's Trust | $1,067 |
| St. Johns | $1,102 |
| Tower Hill Preferred | $1,104 |
| Southern Oak | $1,159 |
| FedNat | $1,190 |
| Universal | $1,196 |
| Family Security | $1,198 |
| Liberty Mutual | $1,236 |
| American Traditions | $1,250 |
| ASI | $1,254 |
| Tower Hill Select | $1,259 |
| First Community | $1,281 |
| American Integrity | $1,318 |
| Tower Hill Signature | $1,489 |
| Castle Key | $1,741 |
| Auto Club of Florida | $1,951 |
| State Farm Florida | $2,008 |
| Average | $1,167.85 |
For $300,000 homes with new construction, the average premium is $1,879.
Find cheaper-than-average rates from the companies below:
- Universal – $1,086
- Stillwater – $1,086
- Florida Farm – $1,327
- People’s Trust – $1,514
List of Companies & Rates for Home Valued at $300,000, New Construction in Hamilton County
| Company | Annual Premium |
|---|---|
| Universal | $1,086 |
| Stillwater | $1,086 |
| Florida Farm Bureau | $1,327 |
| Security First | $1,336 |
| First Protective | $1,370 |
| People's Trust | $1,514 |
| Florida Peninsula | $1,533 |
| Southern Oak | $1,589 |
| Citizens | $1,641 |
| Tower Hill Prime | $1,680 |
| American Traditions | $1,683 |
| Family Security | $1,715 |
| St. Johns | $1,741 |
| Florida Family | $1,816 |
| American Integrity | $1,823 |
| First Community | $1,961 |
| Southern Fidelity | $1,963 |
| Tower Hill Preferred | $1,964 |
| Universal | $1,972 |
| Tower Hill Select | $2,011 |
| ASI | $2,027 |
| FedNat | $2,306 |
| Liberty Mutual | $2,497 |
| Castle Key | $2,520 |
| Auto Club of Florida | $2,540 |
| Tower Hill Signature | $2,649 |
| State Farm Florida | $3,370 |
| Average | $1,878.52 |
Flood Insurance in Hamilton County
While Hamilton County is further to the north than many of the Florida communities hardest hit during hurricane season, there is still a risk of flooding each year. Flooding can do severe damage to your home, even if you live in an area with low to moderate risk. According to Florida Flood Insurance, 25 percent of insurance claims for damage due to flooding comes from homeowners who live outside high-risk areas.
Since water damage from floods isn’t covered under standard home insurance in Florida, people living in these kinds of areas need additional flood insurance policies. To make sure that everyone in areas at-risk for flooding can have access to coverage, the federal government’s National Flood Insurance Program offers price-controlled policies to people living in vulnerable areas like Hamilton County.
Regional companies like First Protective will underwrite these public insurance policies, making it easy for many homeowners to get their flood insurance and homeowners insurance in one place. Consider getting a quote from this company to see what your total insurance costs would be for a home in Hamilton County.
