Santa Rosa County is located on the western end of the Florida Panhandle. The county spans the north-to-south length of the panhandle and has both beach towns to the south on the Gulf Coast and foresting and farming to the north, closer to the Alabama border.
According to the US Census Bureau, Santa Rosa County had 184,131 residents as of 2019 and a median household income of $66,242, which is higher than the national median income. Santa Rosa’s thriving tourism industry from its beaches and business from its military towns both contribute to its strong economy.
Home Insurance Premiums in Santa Rosa
The cost of home insurance in Santa Rosa can differ greatly depending on the type of construction your home has, particularly because of its proximity to the Gulf Coast. Homes that are built with features like storm shutters tend to have lower insurance premiums, and in Santa Rosa County, having wind mitigation features can result in big savings, as you can see in the table below.
Average Homeowners Premiums in Santa Rosa County
| Construction Type | Home Value | Average Premium |
|---|---|---|
| Pre-2001 (No Wind Mitigation) | $150,000 | $3,334.81 |
| Pre-2001 (With Wind Mitigation) | $150,000 | $1,646.15 |
| New Construction | $300,000 | $2,961.00 |
| Overall Average | $2,647.32 |
Based on the data provided, the overall average for Santa Rosa is $$2,647.32. There are a number of insurance companies that offer home insurance policies in Santa Rosa County, but if you’re looking for the most affordable options, consider these companies, which have the lowest average premiums according to data from Florida’s Office of Insurance Regulation.
For $150,000 homes built before 2001 without wind mitigation, the average premium is $3,334.81.
Below are companies that offer below-average rates:
- FedNat – $2,417
- Security First – $2,455
- Tower Hill Prime – $1,862
- ASI – $2,998
List of Companies & Rates for Home Valued at $150,000, Pre-2001 Construction Without Wind Mitigation Rate in Santa Rosa, FL
| Company | Annual Premium |
|---|---|
| Stillwater | $1,642 |
| FedNat | $2,417 |
| Security First | $2,455 |
| First Community | $2,819 |
| Tower Hill Prime | $2,862 |
| Family Security | $2,868 |
| Universal | $2,983 |
| ASI | $2,998 |
| Tower Hill Select | $3,007 |
| Southern Fidelity | $3,065 |
| Tower Hill Signature | $3,083 |
| American Traditions | $3,133 |
| Tower Hill Preferred | $3,134 |
| Florida Peninsula | $3,253 |
| Florida Family | $3,422 |
| State Farm Florida | $3,483 |
| Castle Key | $3,514 |
| First Protective | $3,528 |
| People's Trust | $3,626 |
| American Integrity | $3,729 |
| Liberty Mutual | $3,751 |
| Citizens | $3,827 |
| Universal | $3,894 |
| Florida Farm Bureau | $4,139 |
| Auto Club of Florida | $4,288 |
| St. Johns | $4,458 |
| Southern Oak | $4,662 |
| Average | $3,334.81 |
For $150,000 homes built before 2001 with wind mitigation, the average premium is $1,646.15
Below are companies that offer below-average rates:
- Stillwater – $953
- Florida Farm Bureau – $1,221
- Citizens – $1,322
- Universal – $1,356
List of Companies & Rates for Home Valued at $150,000, Pre-2001 Construction With Wind Mitigation Rate in Santa Rosa, FL
| Company | Annual Premium |
|---|---|
| Stillwater | $953 |
| FedNat | $1,064 |
| Florida Farm Bureau | $1,221 |
| Tower Hill Prime | $1,255 |
| Citizens | $1,322 |
| Universal | $1,356 |
| People's Trust | $1,453 |
| Tower Hill Select | $1,465 |
| First Community | $1,474 |
| Family Security | $1,484 |
| American Traditions | $1,501 |
| Security First | $1,511 |
| First Protective | $1,517 |
| American Integrity | $1,615 |
| St. Johns | $1,616 |
| Tower Hill Preferred | $1,661 |
| Universal | $1,666 |
| Tower Hill Signature | $1,676 |
| ASI | $1,713 |
| Castle Key | $1,806 |
| Southern Oak | $1,937 |
| Auto Club of Florida | $2,047 |
| Florida Peninsula | $2,055 |
| Florida Family | $2,106 |
| Southern Fidelity | $2,138 |
| State Farm Florida | $2,223 |
| Liberty Mutual | $2,611 |
| Average | $1,646.15 |
For $300,000 Homes with new construction, the average premium us $2,961
Below are companies that offer below-average rates:
- Stillwater – $1,267
- Southern Oak – $1,917
- FedNat – $2,258
- Tower Hill Select – $2,371
List of Companies & Rates for Home Valued at $300,000, New Construction in Santa Rosa, FL
| Company | Annual Premium |
|---|---|
| Stillwater | $1,267 |
| Southern Oak | $1,917 |
| FedNat | $2,258 |
| Tower Hill Select | $2,371 |
| Family Security | $2,469 |
| Tower Hill Prime | $2,494 |
| American Traditions | $2,529 |
| Florida Farm Bureau | $2,536 |
| Universal | $2,651 |
| Security First | $2,693 |
| ASI | $2,769 |
| First Community | $2,797 |
| St. Johns | $2,803 |
| Castle Key | $2,924 |
| Tower Hill Preferred | $2,975 |
| People's Trust | $2,984 |
| First Protective | $3,021 |
| American Integrity | $3,071 |
| Universal | $3,134 |
| Tower Hill Signature | $3,151 |
| Citizens | $3,200 |
| Auto Club of Florida | $3,333 |
| Florida Peninsula | $3,443 |
| Florida Family | $3,821 |
| State Farm Florida | $3,934 |
| Southern Fidelity | $4,258 |
| Liberty Mutual | $5,144 |
| Average | $2,961.00 |
These averages will help you get a ballpark idea of what you can expect to spend on home insurance in Santa Rosa, but you don’t want to end up paying more than you have to for your policy. Depending on what homes you’re considering, check out these insurance companies, which have had the lowest average premiums for each construction type in recent years.
Flood Insurance in Santa Rosa
Owning a home in Santa Rosa also means you’ll need to carry additional flood insurance policy since water damage from floods are generally excluded from coverage under standard home insurance plans.
Homeowners in areas like the Gulf Coast that have been identified by the government as high-risk regions for flooding can get affordable flood insurance coverage from the National Flood Insurance Program (NFIP), which offers policies through regional companies like FedNat and First Protective, which are among the affordable options listed above.
Having a both your home insurance and flood insurance policies from these companies can be a simpler and more affordable option but keep in mind that NFIP policies can only offer coverage up to $250,000, so if your home is worth more than that, you’ll need to purchase a third policy to make up for the coverage gap.
Population Centers in Santa Rosa
Santa Rosa’s largest city is Navarre, which is considered part of the neighboring county’s Pensacola metropolitan area. Navarre represents almost a fourth of the county’s overall population.
Much of the population are in the US military, federal civil service, or defense contracting, which employ a significant segment of the population. The city also has Navarre Beach, on the Gulf of Mexico, which has become an increasingly popular tourist draw in the region in recent years.
Home Values in Santa Rosa
Although Santa Rosa County has a relatively low cost-of-living, compared to the rest of Florida and the overall U.S., the county’s property values are high for the Flordia Panhandle. The median home value in Santa Rosa County was $211,200 in 2018.
