Home insurance in Franklin County, Florida
Franklin County (Apalachicola is the county seat) had about 12,979 residents in 2024 per Census estimates. It is a coastal county on the Gulf side in the Big Bend. Dennis (2005) produced 6-9 feet of surge in Apalachee Bay and Franklin County despite landfall far to the west. Roof age, wind mitigation and flood drive most quotes here.
County seat ApalachicolaPopulation (2024 est.) 12,979Setting Coastal (Gulf)Region Big Bend
Which hurricanes shaped insurance in Franklin County?
Dennis (2005) produced 6-9 feet of surge in Apalachee Bay and Franklin County despite landfall far to the west; Michael (2018) brought surge to Apalachicola and Alligator Point.
Claims from these storms still shape carrier appetite in the area. Coastal location changes which part of that history matters most for your home.
How many people live in Franklin County?
The Census Bureau's Vintage 2024 estimate puts Franklin County at 12,979 residents. That is up about 4.2% from the April 2020 base estimate of 12,454, making it Florida's 65th most populous county.
None of Florida's 100 most populous cities are in Franklin County, but we quote homes countywide, including Apalachicola.
What is the flood risk in Franklin County?
Key water: Apalachicola Bay, St. George Island, Dog Island, Carrabelle River.
FEMA flood maps here include coastal high-hazard V zones and A zones along the Apalachicola Bay and other shorelines, plus X zones farther inland. Storm surge is flood, not wind, so it is only covered by a separate flood policy. Check your address on the FEMA Flood Map Service Center.
Shopping for home insurance in Franklin County? Your request goes only to Nymble Insurance, a licensed Florida agency. We quote every applicant and compare options on matching coverage.
Start a private quote Call (813) 291-3484What building code rules affect Franklin County roofs and windows?
Parts of the county, especially areas near the coast, fall in the Florida Building Code's wind-borne debris region, where new construction needs impact-rated openings or shutters. Your building department can confirm whether a given address is inside it.
The statewide Florida Building Code took effect March 1, 2002. Homes permitted after that date, or with later roof and window permits, usually document better on a wind mitigation inspection. Older homes may also need a 4-point inspection.
What is the insurance market like in Franklin County?
A small coastal market heavy on second homes and island property, where flood and wind are often separate policies.
Many Franklin County homeowners are with Citizens or have received a takeout offer. Agencies quoting the same carrier use the same filed rates, so compare coverage line by line before price.
Frequently asked questions
Is FMAP.insure the official FMAP for Franklin County?
No. FMAP.insure is a private website run by Nymble Insurance LLC. The official, free FMAP referral service is at fmap.org. Requests here go only to Nymble Insurance.
Can Nymble Insurance quote my Franklin County home?
Yes. Nymble Insurance is a licensed Florida agency (L131669) and quotes homeowners across Franklin County and the rest of Florida. Every applicant gets a quote request reviewed.
Does my homeowners policy cover storm surge in Franklin County?
No. Storm surge is flood, which homeowners policies exclude. You need a separate flood policy through the NFIP or a private flood insurer.
Are there wind-borne debris rules in Franklin County?
Parts of the county, especially areas near the coast, fall in the Florida Building Code's wind-borne debris region, where new construction needs impact-rated openings or shutters. Your building department can confirm whether a given address is inside it.