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Flood insurance costs in ZIP 32569 (Mary Esther, FL)

Plain facts for homeowners in Mary Esther: what flood insurance costs here, which flood zones local policies are in, and how the area's home insurance compares.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 32569 at a glance

Four numbers most homeowners ask about first.

$1,142
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

724
Flood policies

Single-family NFIP policies that took effect in 2025.

36%
In A or V zones

Share of those policies for homes in FEMA's high-risk flood zones.

$3,347
County home premium

Typical Okaloosa County ZIP in 2022 (Treasury, inflation-adjusted).

ZIP 32569 in numbers
$1,027
median flood policy cost (2025)
$240,831
average building coverage
$779
average flood policy (2022)
Rel. moderate
county FEMA risk rating

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

Treasury didn't publish homeowners figures for ZIP 32569. It only released ZIP codes with at least 10 reporting insurers and 50 policies in its data. For reference, the typical ZIP code in Okaloosa County averaged $3,347 per policy in 2022.

Okaloosa County, Florida and U.S. typical ZIP codes

Okaloosa County overview

Typical premium per policy

Inflation-adjusted dollars, median across ZIP codes
OkaloosaFloridaU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 32569 in 2025 cost $1,142, based on 724 policies, compared with $779 in 2022. About 36% of them are for homes in high-risk A or V zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

724 policies
A zones 34%X/B/C zones 64%V zones 2%

Natural hazards

FEMA National Risk Index for Okaloosa County

FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Okaloosa County are listed, as national percentiles (100 = highest).

All county hazards

Top county hazards

  • Lightning99 · Very High
  • Hurricane98 · Very High
  • Tornado94 · Relatively High
  • Heat wave89 · Relatively Moderate
  • Inland flooding80 · Relatively Moderate

Other ZIP codes in Okaloosa County

ZIP codes with their own page.

32536 Crestview · $2,62632541 Destin · —32547 Fort Walton Beach · —32548 Fort Walton Beach · —32578 Niceville · $4,06732579 Shalimar · —

Practical next steps

Simple things homeowners in ZIP 32569 can do with this information.

Ask about a wind mitigation inspection. Florida insurers must offer discounts for wind-resistant features such as roof-to-wall straps, a secondary water barrier and opening protection. A licensed inspector's form documents what your home has.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.
Keep records. A roof certificate, receipts for upgrades and photos of your home's condition can help when you shop for coverage or file a claim.
Review your deductibles. Many policies have separate wind, hail or hurricane deductibles set as a percentage of your dwelling coverage. Knowing yours in dollars helps you budget.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer. Treasury's data covers a smaller share of Florida's market than of other states and leaves out Citizens Property Insurance and other residual-market policies, so Florida figures are less representative.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.