Florida Homeowners & Flood Insurance Rates by ZIP Code (2026)
Comparing actual 2026 HO-3 homeowners insurance premiums, wind-mitigation credits, roof-age underwriting cutoffs, and FEMA Risk Rating 2.0 flood insurance across Putnam County and St. Johns County ZIP codes.
Inland Putnam Avg (HO-3)
$1,850 – $2,450/yr
2016+ roof w/ wind mitigation
Inland St. Johns Avg
$2,200 – $3,100/yr
Newer construction (32092 / 32259)
Wind Mitigation Credit
Up to 35% Off
Hip roof + clips/straps + SWR
4-Point Inspection Rule
15+ Year Roofs
5+ yrs remaining life required
1. 2026 Homeowners & Flood Insurance Benchmarks by ZIP Code
Insurance carriers in Florida price HO-3 policies primarily by distance to open coastal water, roof age and geometry, building code year (pre-2002 vs. post-2002 Florida Building Code), and replacement cost. Below are typical 2026 annual premium ranges across our core Putnam County and St. Johns County ZIP codes:
| ZIP Code & Town | County | Newer Roof (≤10 Yrs) HO-3 | Older Home (11–18 Yr Roof) | Typical Flood Note (Zone X vs AE) |
|---|---|---|---|---|
| 32177 · Palatka | Putnam | $1,850 – $2,400 / yr | $2,650 – $3,600 / yr | In-town Zone X optional (~$550/yr); Riverfront Zone AE requires BFE check |
| 32131 · East Palatka & San Mateo | Putnam | $1,900 – $2,500 / yr | $2,750 – $3,750 / yr | San Mateo bluff sits high (Zone X); riverfront coves sit in Zone AE |
| 32193 / 32189 · Welaka & Satsuma | Putnam | $1,950 – $2,550 / yr | $2,800 – $3,850 / yr | Verify first-floor elevation on St. Johns River & Dunns Creek canal lots |
| 32112 / 32181 · Crescent City & Pomona Park | Putnam | $1,900 – $2,500 / yr | $2,700 – $3,800 / yr | Central ridge is high-and-dry Zone X; Crescent Lake frontage is Zone AE |
| 32148 · Interlachen & West Putnam | Putnam | $1,750 – $2,250 / yr | $2,450 – $3,350 / yr | Lowest wind exposure in region; check Fire Protection Class (hydrant distance) |
| 32145 · Hastings | St. Johns | $1,950 – $2,550 / yr | $2,750 – $3,750 / yr | Inland St. Johns wind tier; check parcel drainage & shaded Zone X / A |
| 32084 / 32086 · St. Augustine | St. Johns | $2,500 – $3,600 / yr | $3,600 – $5,200 / yr | East of US-1 carries coastal wind & tidal AE/VE flood considerations |
| 32092 / 32259 · SilverLeaf, RiverTown, Shearwater | St. Johns | $1,950 – $2,850 / yr | $2,900 – $4,100 / yr | Post-2018 construction earns maximum Florida Building Code wind credits |
| 32081 / 32082 · Nocatee & Ponte Vedra Beach | St. Johns | $2,900 – $5,400+ / yr | $4,400 – $7,800+ / yr | Higher replacement values + coastal wind-borne debris zone east of Intracoastal |
2. Interactive Florida Home Insurance Estimator (Putnam & St. Johns)
Note: Excludes separate FEMA flood policy if parcel sits in Zone AE. We order 4-point and wind-mitigation inspections during your inspection period to lock in every credit.
Want Real Insurance Quotes Before Your Inspection Period Ends?
Call The Parham Team at (386) 530-1737. We connect our buyers with local independent Florida insurance brokers who write policies for riverfront, rural well/septic, and St. Johns County homes every day.