Homeowners Insurance in Jacksonville, St. Augustine and Northeast Florida

Homeowners insurance in Jacksonville and St. Augustine covers the dwelling, other structures, contents, loss of use and personal liability against fire, wind and the other listed perils. Flood is always a separate policy. The hurricane deductible is offered at $500, 2%, 5% or 10% of dwelling coverage (FS 627.701).

Jacksonville and St. Augustine homeowners insurance: 2026 Citizens rate cuts, roof-age rules, wind-mitigation credits, CRS flood discounts. Free comparison.

Figures reviewed against Florida Statutes and carrier bulletins on September 27, 2026.

Homeowners insurance in Jacksonville and St. Augustine

The 2026 market turned in the homeowner's favor. Citizens' approved rates fall in every Northeast Florida county on July 1, 2026 and private carriers are competing again; the details below decide who gets the benefit.

Jacksonville and Duval County

Duval's median home was built in 1986 and only 4.1% of its 454,740 housing units were built in 2020 or later (2020-2024 ACS), which makes roof age and wind mitigation the two numbers that move a Jacksonville quote most.

Citizens' approved 2026 HO-3 rates fall 5.0% in Duval (average premium $2,426 to $2,306) and its dwelling-fire (DP-1/DP-3) rates fall 11.0%, effective July 1, 2026 for new policies and at renewal for existing ones; Citizens' statewide book stood at 336,000 policies in March 2026, down 76% from its October 2023 peak.
An insurer may not refuse to write or renew a home solely because its roof is under 15 years old; at 15 years or older you may pay for an inspection, and a roof with five or more years of useful life left cannot be the sole reason for refusal (FS 627.7011(5), for policies issued or renewed on or after July 1, 2022).
Every residential rate filing must include wind-mitigation discounts for roof-to-wall connections, roof deck attachment, opening protection and the rest (FS 627.0629(1)); insurers must post their discounts online and notify you at issuance and every renewal (FS 627.711), and the uniform inspection form is OIR-B1-1802 under Rule 69O-170.0155.
Jacksonville, Jacksonville Beach and Neptune Beach hold FEMA Community Rating System Class 6, a 20% discount on every federal flood policy in the city, and Atlantic Beach moves to Class 5 (25%) on October 1, 2026; Irma pushed the St. Johns River to an all-time record 5.57 feet downtown in September 2017 without a Northeast Florida landfall, so riverfront and Arlington homes outside the mapped zone still buy flood.

St. Augustine and St. Johns County

St. Johns County's median home was built in 2004, 82.2% of its homes are owner-occupied and its median value is $489,200, the newest stock in the region; the city of St. Augustine is the opposite, with a median year built of 1980 and a quarter of its homes from 1939 or earlier.

Citizens' approved 2026 HO-3 rates fall 8.2% in St. Johns County (average premium $2,736 to $2,510), 6.5% in Clay, 10.9% in Nassau and 8.6% in Flagler, effective July 1, 2026 for new policies and at renewal for existing ones.
The city of St. Augustine moved to CRS Class 4 on April 1, 2026, a 30% discount on federal flood premiums; unincorporated St. Johns County, including Ponte Vedra Beach and Nocatee, is Class 5 (25%) and St. Augustine Beach is Class 8 (10%). Matthew put up to 4 feet of water in the city and more than 2 feet across Anastasia Island in October 2016.
Insurers must offer hurricane deductibles of $500, 2%, 5% and 10% of dwelling coverage, may drop the $500 option at $250,000 of dwelling coverage and up, and must print the deductible's dollar value on the declarations page (FS 627.701); a separate roof deductible, if offered, is capped at the lesser of 2% of dwelling coverage or half the roof's replacement cost and can be rejected on the state's form (FS 627.701(10)).
The My Safe Florida Home program funds free wind-mitigation inspections for homesteaded, owner-occupied, site-built homes and matching grants of $2 for every $1 up to a $10,000 state share, for homes insured at $700,000 or less and built before January 1, 2008; under the current statute grants are limited to low- and moderate-income applicants and open in phases subject to legislative appropriation (FS 215.5586).

Citizens 2026 approved HO-3 rate changes by county, with the federal flood discount each community earns

County	Citizens HO-3 policies in the filing	Current average premium	Approved change	Approved average premium	Federal flood discount (CRS) by community
Duval	4,881	$2,426	-5.0%	$2,306	Jacksonville, Jacksonville Beach, Neptune Beach: 20%; Atlantic Beach: 25% from October 1, 2026
St. Johns	1,585	$2,736	-8.2%	$2,510	St. Augustine 30% (since April 2026); unincorporated county incl. Ponte Vedra and Nocatee 25%; St. Augustine Beach 10%
Clay	1,096	$2,245	-6.5%	$2,098	Unincorporated county incl. Fleming Island 20%; Orange Park, Green Cove Springs, Keystone Heights: none
Nassau	219	$3,134	-10.9%	$2,793	Fernandina Beach 25%; unincorporated county 15%; Callahan, Hilliard: none
Flagler	893	$3,095	-8.6%	$2,829	Palm Coast 30%; unincorporated county and Flagler Beach 20%; Bunnell: none
Florida	337,025	$3,506	-8.7%	$3,202	Varies by community

OIR-approved county estimates from Citizens' March 2026 filing summary, effective July 1, 2026 for new policies and at renewal for existing ones; individual policies vary and the policy counts are the filing's snapshot, not Citizens' current book (336,000 policies statewide in March 2026). CRS classes from FEMA's NFIP Community Status Book (August 25, 2026 refresh); under Risk Rating 2.0 the discount applies to every NFIP policy in the community.

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Data sources

Frequently Asked Questions

Did Citizens homeowners rates go down in Jacksonville and St. Augustine for 2026?

Yes. The Office of Insurance Regulation approved Citizens' 2026 rates in March 2026, and the approved HO-3 changes are -5.0% in Duval County, -8.2% in St. Johns, -6.5% in Clay, -10.9% in Nassau and -8.6% in Flagler, against -8.7% statewide. They took effect July 1, 2026 for new policies and apply at renewal for existing ones.

Can a Jacksonville insurer refuse my home because the roof is 15 years old?

Not solely because of its age. For a roof 15 years or older you may hire an authorized inspector at your own expense, and if the inspection shows five or more years of useful life the insurer may not refuse solely because of age (FS 627.7011(5), for policies issued or renewed on or after July 1, 2022).

Can a Florida insurer refuse to insure or renew a home because the roof is less than 15 years old?

Not solely because of age. Florida law bars an insurer from refusing to issue or renew a homeowners policy solely because a roof is less than 15 years old (FS 627.7011(5), for policies issued or renewed on or after July 1, 2022). Roof condition can still be a reason, and the statute does not regulate what the insurer charges.

Is the My Safe Florida Home grant available to Duval and St. Johns County homeowners?

It can be, if you qualify. The home must be homesteaded, owner-occupied, site-built and single-family (detached or attached up to three stories), insured at $700,000 or less and built before January 1, 2008. Under the current statute grant applicants must be low- or moderate-income, and applications open in income and age-priority phases subject to legislative appropriation (FS 215.5586).

How much does the My Safe Florida Home grant pay?

The statute funds free wind-mitigation inspections and matching grants of $2 for every $1 you spend, up to a $10,000 state share, or $10,000 with no match for low-income applicants (FS 215.5586). Under the current statute grant applicants must be low- or moderate-income, and applications open in phases subject to legislative appropriation. Check the program's site for the current phase.

What's the difference between HO-3 and HO-5 policies?

HO-3 (special form) covers your dwelling on an open-perils basis (all risks except those specifically excluded) and personal property on a named-perils basis (only listed perils like fire, theft and wind). HO-5 (comprehensive form) covers both on an open-perils basis, usually with replacement-cost settlement on contents. HO-5 costs more. How much more depends on the carrier and the home.

Does homeowners insurance cover flood damage?

No, standard homeowners policies exclude flood damage. You need separate flood insurance through the National Flood Insurance Program (NFIP) or a private insurer. NFIP policies typically carry a 30-day waiting period unless they are tied to a loan closing. The community discount (20% in Jacksonville, 30% in St. Augustine) applies to every federal policy in the city.

How much dwelling coverage do I need?

Your dwelling coverage should equal your home's full replacement cost: what it would cost to rebuild at today's construction prices, not the market value or purchase price. Market value includes land, which doesn't need insurance. An insurance appraisal or contractor estimate can determine accurate replacement cost. Under-insuring can trigger coinsurance penalties where claims are only partially paid.

What is loss of use coverage?

Loss of use (also called Additional Living Expenses or ALE) pays for hotel, meals and other costs if your home is uninhabitable after a covered loss. It is typically a fixed percentage of your dwelling limit. On many HO-3 policies it is 30%. Coverage continues until your home is repaired or you reach the policy limit.

Are expensive items like jewelry and electronics fully covered?

Not automatically. Standard homeowners policies have sub-limits for certain valuables, typically $1,500 for jewelry, $2,500 for electronics and $2,500 for firearms. To cover expensive items, schedule them (add them specifically to your policy with appraisals) or purchase a personal articles floater. Scheduled items are covered for their full appraised value with no deductible.

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