St. Johns County is located on the northern Atlantic coastline of Florida. The population of St. Johns County, as of 2019, is made up of 264,572 residents according to the US Census Bureau, which makes it one of the most populated counties in the state.
Living in St. Johns
With the proximity to Jacksonville, much of St. Johns County residents reside in commuter communities to the metropolitan area. As a result of much of Jacksonville’s urban workforce living in St. Johns County, the area is significantly wealthier than in most other areas of Florida.
The median value of homes that are occupied by homeowners in this county is $287,700, the median household income is $77,323, which is roughly 125 percent of the national median. The two largest cities in the county are St. Augustine and St. Augustine Beach, which have populations of about 13,000 residents and 7,000 residents, respectively.
Home Insurance Premiums in St. Johns County
Despite the high-income households and premium home values in St. Johns County, the cost-of-living isn’t much higher when compared to less wealthy, inland counties in Florida, at least when it comes to home insurance.
However, as is the case with many coastal communities in Florida, homes without wind mitigation have much higher average home insurance premiums. The difference is so extreme that pre-2001 homes without wind mitigation have slightly higher average premiums than homes worth double the value, as shown in the table below.
Average Homeowners Premiums in St. Johns County
| Construction Type | Home Value | Average Premium |
|---|---|---|
| Pre-2001 (No Wind Mitigation) | $150,000 | $1,875.07 |
| Pre-2001 (With Wind Mitigation) | $150,000 | $1,075.00 |
| New Construction | $300,000 | $1,810.04 |
| Overall Average | $1,586.70 |
The overall average for home insurance premiums in the county is $1,587, based on the data provided by Florida’s Office of Insurance Regulation. While pre-2001 homes with wind mitigation have relatively affordable average premiums for the state of Florida, homeowners with other types of homes may be concerned about how they can avoid paying such high prices for their FL home insurance.
If you’re in this situation and want to insure a property for a cheaper rate, don’t neglect to comparison shop while looking for a policy. Every company will use its own calculation methods for arriving at the quote they offer you. Knowing which companies offer the lowest average premiums in the county (listed below) will help you start off your search in the right direction to help you save hundreds of dollars each year.
For $150,000 homes built before 2001 without wind mitigation, the average premium is $1,875.
Cheaper options include:
- First Protective – $1,386
- Stillwater – $1,396
- Citizens – $1,408
- Southern Fidelity – $1,457
List of Companies & Rates for Home Valued at $150,000, Pre-2001 Construction Without Wind Mitigation Rate in St. Johns County
| Company Name | Annual Premium |
|---|---|
| First Protective | $1,386 |
| Stillwater | $1,396 |
| Citizens | $1,408 |
| Southern Fidelity | $1,457 |
| First Community | $1,541 |
| Florida Peninsula | $1,577 |
| Tower Hill Prime | $1,617 |
| Universal | $1,635 |
| FedNat | $1,680 |
| Castle Key | $1,689 |
| Universal | $1,694 |
| Florida Family | $1,730 |
| Tower Hill Preferred | $1,740 |
| Tower Hill Signature | $1,771 |
| Security First | $1,775 |
| People's Trust | $1,804 |
| Liberty Mutual | $1,860 |
| Family Security | $1,892 |
| Tower Hill Select | $1,910 |
| American Integrity | $2,036 |
| ASI | $2,058 |
| State Farm Florida | $2,076 |
| St. Johns | $2,128 |
| Florida Farm | $2,152 |
| American Traditions | $2,231 |
| Auto Club Florida | $2,582 |
| Southern Oak | $3,802 |
| Average | $1,875.07 |
For $150,000 homes built before 2001 with wind mitigation, the average premium is $1,075.
Cheaper options include:
- Citizens – $646
- First Protective – $743
- Universal – $749
- FedNat – $794
List of Companies & Rates for Home Valued at $150,000, Pre-2001 Construction With Wind Mitigation Rate in St. Johns County
| Company Name | Annual Premium |
|---|---|
| Citizens | $646 |
| First Protective | $743 |
| Universal | $749 |
| Universal | $794 |
| FedNat | $798 |
| Stillwater | $804 |
| Florida Farm | $827 |
| St. Johns | $910 |
| Tower Hill Preferred | $917 |
| Tower Hill Signature | $954 |
| First Community | $1,021 |
| Southern Fidelity | $1,023 |
| Tower Hill Select | $1,025 |
| People's Trust | $1,032 |
| Florida Family | $1,033 |
| Tower Hill Prime | $1,038 |
| Florida Peninsula | $1,071 |
| American Integrity | $1,088 |
| American Traditions | $1,167 |
| Castle Key | $1,286 |
| Family Security | $1,322 |
| ASI | $1,363 |
| Security First | $1,392 |
| Auto Club Florida | $1,433 |
| Liberty Mutual | $1,443 |
| Southern Oak | $1,568 |
| State Farm Florida | $1,578 |
| Average | $1,075.00 |
For $300,000 homes with new construction, the average premium is $1,810.
Cheaper options include:
- Stillwater – $1,078
- First Protective – $1,382
- Citizens – $1,412
- Universal – $1,428
List of Companies & Rates for Home Valued at $300,000, New Construction in St. Johns County
| Company Name | Annual Premium |
|---|---|
| Stillwater | $1,078 |
| First Protective | $1,382 |
| Citizens | $1,412 |
| Universal | $1,428 |
| Universal | $1,451 |
| Florida Farm | $1,480 |
| St. Johns | $1,530 |
| Southern Oak | $1,548 |
| Tower Hill Preferred | $1,601 |
| Tower Hill Select | $1,608 |
| FedNat | $1,636 |
| People's Trust | $1,705 |
| First Community | $1,721 |
| Florida Peninsula | $1,763 |
| Tower Hill Signature | $1,798 |
| Castle Key | $1,811 |
| American Integrity | $1,841 |
| Florida Family | $1,871 |
| American Traditions | $1,882 |
| Tower Hill Prime | $1,940 |
| Family Security | $2,014 |
| Southern Fidelity | $2,023 |
| Security First | $2,178 |
| Auto Club Florida | $2,263 |
| ASI | $2,281 |
| State Farm Florida | $2,735 |
| Liberty Mutual | $2,891 |
| Average | $1,810.04 |
Flood Insurance in St. Johns
Considering St. Johns County’s location along the East Coast, homes in the county are vulnerable to flooding from tropical storms during each year’s hurricane season. As a result, if you’re interested in owning a home in St. Johns County, it’s essential that you have adequate flood insurance coverage for your property.
You can get an affordable flood insurance policy from regional companies like FedNat and First Protective, which underwrite policies from the federal government’s National Flood Insurance Program (NFIP). NFIP policies are price-controlled but only offer policies with a maximum of $250,000, so if your home is worth a higher amount, you’ll need to purchase an additional private flood insurance policy to make up for the coverage gap.
