Jackson County, which is largely made up of rural farming communities, is located in the middle of the Florida Panhandle directly on the state’s border with Alabama. The county, which has 46,414 residents as of 2019, has a median household income that’s significantly lower than the national and state equivalent, as $39,002 as of 2018, according to the US Census Bureau.
Population Centers in Jackson
Although the county is largely farmland, Jackson County’s economy features several intersections with the transportation industry. Several airports are located in the county, but Jackson County’s largest airport is Marianna Municipal Airport. The county also has two railways, the Lousiville and Nashville Railroad and the Bay Line Railroad, although both have significantly declined in use over the years
In addition to Marianna, Jackson County’s other largest cities are Graceville and Jacob City. Mariana and Graceville are significantly largest by far, and both have thousands of residents compared to Jacob City’s hundreds. As a result of its sparse population, Jackson County has among the lower property values in the state, with a median home value of $98,800 for owner-occupied homes from 2014-2018, referring back to the US Census for this data.
Home Insurance Premiums in Jackson County
If you’re on the market for a home in Jackson County, you’ll need to know what type of construction the homes you’re considering have. Since homes here need to make it through hurricane season each year, homeowners whose houses have wind mitigation can often be quoted lower premiums.
As the following table shows, on average, pre-2001 homes with mitigation have had average premiums that are roughly $500 cheaper compared to the premiums for those without those features.
Average Homeowners Premiums in Jackson County
| Construction Type | Home Value | Average Premium |
|---|---|---|
| Pre-2001 (No Wind Mitigation) | $150,000 | $1,734.00 |
| Pre-2001 (With Wind Mitigation) | $150,000 | $1,258.41 |
| New Construction | $300,000 | $2,035.22 |
| Overall Average | $1,675.88 |
We collected the averages for Jackson County using the data from Florida’s Office of Insurance Regulation revealing an overall homeowners average premium of $1,676. In addition to shopping for homes with wind mitigation (or adding those features after the fact), another way you can save money on your annual premium is to comparison shop between the insurance companies that operate in Jackson County.
Making sure to compare what insurance companies are offering in your area can net you big savings on homeowners insurance in Florida. Based on this data form the state government databases, the lowest premiums in Jackson County can easily be $200 to $800 below the county averages depending on the type of house in question.
In recent years, listed below are the companies that have had the lower-than-average premiums for home insurance policies.
For $150,000 homes built before 2001 without wind mitigation, the average premium is $1,734.
For cheaper options, check out the insurers below:
- Citizens – $813
- Florida Peninsula – $1,091
- Universal – $1,218
- Security First – $1,227
List of Companies & Rates for Home Valued at $150,000, Pre-2001 Construction Without Wind Mitigation Rate in Jackson County
| Company | Annual Premium |
|---|---|
| Citizens | $813 |
| Florida Peninsula | $1,091 |
| Universal | $1,218 |
| Security First | $1,227 |
| First Protective | $1,235 |
| Tower Hill Prime | $1,286 |
| Stillwater | $1,415 |
| Tower Hill Signature | $1,473 |
| Southern Fidelity | $1,478 |
| Florida Farm Bureau | $1,487 |
| Family Security | $1,505 |
| American Integrity | $1,629 |
| People's Trust | $1,643 |
| Tower Hill Preferred | $1,702 |
| First Community | $1,710 |
| Liberty Mutual | $1,813 |
| Tower Hill Select | $1,838 |
| Castle Key | $1,918 |
| St. Johns | $1,937 |
| American Traditions | $1,998 |
| ASI | $2,089 |
| FedNat | $2,109 |
| Auto Club of Florida | $2,165 |
| Southern Oak | $2,292 |
| State Farm Florida | $2,574 |
| Florida Family | $2,577 |
| Universal | $2,596 |
| Average | $1,734.00 |
For $150,000 homes built before 2001 with wind mitigation, the average premium is $1,258.
For cheaper options, check out the insurers below:
- First Protective – $743
- Tower Hill Prime – $885
- FedNat – $1,143
- People’s Trust – $1,148
List of Companies & Rates for Home Valued at $150,000, Pre-2001 Construction With Wind Mitigation Rate in Jackson County
| Company | Annual Premium |
|---|---|
| Citizens | $616 |
| Universal | $715 |
| First Protective | $743 |
| Florida Farm Bureau | $798 |
| Florida Peninsula | $867 |
| Tower Hill Prime | $885 |
| Stillwater | $1,069 |
| Security First | $1,075 |
| FedNat | $1,143 |
| People's Trust | $1,148 |
| Southern Fidelity | $1,157 |
| St. Johns | $1,159 |
| Tower Hill Preferred | $1,167 |
| Tower Hill Signature | $1,186 |
| American Integrity | $1,243 |
| Family Security | $1,250 |
| Tower Hill Select | $1,280 |
| First Community | $1,325 |
| Liberty Mutual | $1,372 |
| Universal | $1,542 |
| American Traditions | $1,565 |
| Castle Key | $1,575 |
| Auto Club of Florida | $1,614 |
| Southern Oak | $1,627 |
| ASI | $1,769 |
| Florida Family | $1,876 |
| State Farm Florida | $2,211 |
| Average | $1,258.41 |
For $300,000 Homes with new construction, the average premium is $2,035.
For cheaper options, check out the insurers below:
- People’s Trust – $1,701
- Family Security – $1,740
- American Integrity – $1,765
- St. Johns – $1,837
List of Companies & Rates for Home Valued at $300,000, New Construction in Jackson County
| Company | Annual Premium |
|---|---|
| Citizens | $1,206 |
| Universal | $1,323 |
| First Protective | $1,341 |
| Stillwater | $1,369 |
| Florida Peninsula | $1,382 |
| Security First | $1,449 |
| Florida Farm Bureau | $1,474 |
| Tower Hill Prime | $1,663 |
| People's Trust | $1,701 |
| Family Security | $1,740 |
| American Integrity | $1,765 |
| St. Johns | $1,837 |
| Tower Hill Select | $2,008 |
| Tower Hill Preferred | $2,036 |
| First Community | $2,076 |
| American Traditions | $2,088 |
| Tower Hill Signature | $2,136 |
| Southern Oak | $2,182 |
| FedNat | $2,231 |
| Southern Fidelity | $2,257 |
| Auto Club of Florida | $2,263 |
| Castle Key | $2,284 |
| Universal | $2,527 |
| Liberty Mutual | $2,786 |
| ASI | $2,815 |
| Florida Family | $3,300 |
| State Farm Florida | $3,712 |
| Average | $2,035.22 |
Flood Insurance in Jackson County
Due to the storms that hit Jackson County and the surrounding area each year during hurricane season, residents will need to also purchase flood insurance to supplement the coverage their standard home insurance policy offers (which generally excludes water damage from floods).
Because of the region’s high risk of flooding each year, the federal government makes affordable flood insurance policies available to homeowners in Jackson County through its National Flood Insurance Program (NFIP).
Local insurance companies, such as FedNat and First Protective, will underwrite NFIP policies, so you can easily purchase and manage both policies, your standard home insurance policy and your flood insurance policy, through a single plan.
