Leon County is a landlocked county located on the eastern end of the Florida Panhandle only a few miles north of the Gulf Coast. The county holds Florida’s capital, Tallahassee, which is home to both Florida State University and Florida A&M, making it the most densely populated area in Leon County by far.
According to the US Census Bureau, as of 2018, Leon County has a population of 292,502 and the overwhelming majority, over 280,000 residents, live in Tallahassee alone. The two colleges are major employers in the county, and there are also several other smaller colleges in town as well.
Living in Leon
Outside of Tallahassee, a significant portion of the land in the county is taken up by Apalachicola National Park, as well as a number of state parks, such as the Alfred B. McCay Gardens State Park, the Lake Jackson Mounds Archeological State Park, and the Tallahassee St. Marks Historic Railroad Trail State Park.
The median household income in Leon County is $50,682 and property values are relatively high in comparison, at $210,700 for owner-occupied homes. Despite that, the average premiums in the county are much cheaper than counties with similar property values.
Home Insurance Premiums in Leon County
As affordable as they may be, home insurance premiums in Leon still decrease for homeowners who have wind mitigation included or added onto homes built before 2001, with a difference of over $300 per year in price, as you can see in the chart below sourced from Florida’s Office of Insurance Regulation. The overall average for Leon County is $1,349.31.
Average Homeowners Premiums in Leon County, FL
| Construction Type | Home Value | Average Premium |
|---|---|---|
| Pre-2001 (No Wind Mitigation) | $150,000 | $1,391.11 |
| Pre-2001 (With Wind Mitigation) | $150,000 | $1,021.00 |
| New Construction | $300,000 | $1,635.61 |
| Overall Average | $1,349.31 |
Home insurance in Florida in Leon County can be even cheaper if you know which companies to consider. For homes worth $150,000, you potentially can save almost 50% if you get a policy with the companies listed below, which have had the lowest average premiums in Leon County in recent years. For homes worth $300,000 you can potentially save as much as 40%, with is still a considerable discount compared to the county average.
For $150,000 homes built before 2001 without wind mitigation, the average premium is $1,391.
For below-average quotes, check out the companies listed below:
- Citizens – $749
- Tower Hill Prime – $980
- Universal – $983
- Southern Fidelity – $1,109
List of Companies & Rates for Home Valued at $150,000, Pre-2001 Construction Without Wind Mitigation Rate in Leon County
| Company | Annual Premium |
|---|---|
| Citizens | $749 |
| Tower Hill Prime | $980 |
| Universal | $983 |
| Southern Fidelity | $1,090 |
| Florida Peninsula | $1,109 |
| First Protective | $1,158 |
| Security First | $1,171 |
| Stillwater | $1,177 |
| Family Security | $1,252 |
| Florida Farm Bureau | $1,290 |
| Florida Family | $1,295 |
| People's Trust | $1,320 |
| Tower Hill Preferred | $1,357 |
| Tower Hill Select | $1,400 |
| Tower Hill Signature | $1,405 |
| First Community | $1,477 |
| American Integrity | $1,522 |
| American Traditions | $1,528 |
| Universal | $1,538 |
| Liberty Mutual | $1,566 |
| FedNat | $1,598 |
| ASI | $1,603 |
| St. Johns | $1,609 |
| Castle Key | $1,800 |
| State Farm Florida | $1,856 |
| Southern Oak | $1,858 |
| Auto Club of Florida | $1,869 |
| Average | $1,391.11 |
For $150,000 homes built before 2001 with wind mitigation, the average premium is $1,021.
For below-average quotes, check out the companies listed below:
- Universal – $579
- Citizens – $581
- First Protective – $609
- Tower Hill Prime – $628
List of Companies & Rates for Home Valued at $150,000, Pre-2001 Construction With Wind Mitigation Rate in Leon County
| Company | Annual Premium |
|---|---|
| Universal | $579 |
| Citizens | $581 |
| First Protective | $609 |
| Tower Hill Prime | $628 |
| Florida Farm Bureau | $741 |
| Southern Fidelity | $856 |
| Florida Peninsula | $867 |
| Stillwater | $879 |
| FedNat | $928 |
| Tower Hill Preferred | $934 |
| Florida Family | $941 |
| Universal | $950 |
| Tower Hill Select | $987 |
| People's Trust | $988 |
| St. Johns | $1,028 |
| Family Security | $1,047 |
| Security First | $1,063 |
| Liberty Mutual | $1,066 |
| American Traditions | $1,112 |
| Tower Hill Signature | $1,157 |
| American Integrity | $1,195 |
| First Community | $1,216 |
| Southern Oak | $1,256 |
| ASI | $1,331 |
| Auto Club of Florida | $1,516 |
| Castle Key | $1,538 |
| State Farm Florida | $1,574 |
| Average | $1,021.00 |
For $300,000 homes with new construction, the average premium is $1,636.
For below-average quotes, check out the companies listed below:
- Universal – $1,068
- Citizens – $1,133
- People’s Trust – $1,421
- Family Security – $1,460
List of Companies & Rates for Home Valued at $300,000, New Construction in Leon County
| Company | Annual Premium |
|---|---|
| Universal | $1,068 |
| Citizens | $1,133 |
| Stillwater | $1,135 |
| First Protective | $1,136 |
| Tower Hill Prime | $1,215 |
| Florida Farm Bureau | $1,245 |
| Security First | $1,371 |
| Florida Peninsula | $1,388 |
| People's Trust | $1,421 |
| Family Security | $1,460 |
| Universal | $1,534 |
| American Traditions | $1,535 |
| Tower Hill Select | $1,570 |
| St. Johns | $1,617 |
| Florida Family | $1,646 |
| Southern Oak | $1,653 |
| Tower Hill Preferred | $1,653 |
| Southern Fidelity | $1,662 |
| American Integrity | $1,695 |
| FedNat | $1,762 |
| First Community | $1,858 |
| Auto Club of Florida | $2,042 |
| Tower Hill Signature | $2,077 |
| ASI | $2,134 |
| Castle Key | $2,217 |
| Liberty Mutual | $2,290 |
| State Farm Florida | $2,650 |
| Average | $1,635.81 |
Flood Insurance in Leon
Part of the reason that home insurance is so affordable relative to home values in Leon County is that the area is fairly insulated from flooding. In contrast to other regions in Florida, the county has numerous hilly areas that make flooding less likely.
However, there are still some areas of Leon County located in high-risk flood zones, so make sure to find out if your home is located within one of them, which is likely near the various rivers and lakes in the county’s state parks. You’ll need to purchase separate flood insurance to protect your home from damage not covered under your standard policy.
Companies like First Protective sell federal National Flood Insurance Program (NFIP) policies at affordable rates. Keep in mind that you’ll need to purchase extra private flood insurance coverage if your home is worth more than $250,000, which is the maximum coverage on an NFIP policy.
