up button arrow
https://floridainsurance.org is a privately owned website that is not owned or operated by any government agency

Flagler County

Flagler County Driving Statistics and Analysis

Approximately 101,133 personal and commercial vehicles call the roads of Flagler County their home. This number accounts for roughly 0.6% of all the cars registered in Florida.

Around 82% of adult drivers in Flagler County commute to and from work by themselves and 2 out of 5 of those trips last for more than 30 minutes.

Roughly 20% of Florida drivers are uninsured, which could mean over 20,000 automobiles in Flagler County may be uninsured or underinsured.

1 in 5 crashes in Flagler County are reported as a hit-and-run.

Motor Vehicle Crashes in Flagler County

Automobile fatalities in Flagler County statistically occur at a rate of 16.05 per 100,000 vehicles on the road: an estimate of 16 fatal crashes yearly.

In 2021, the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) reported 1,468 crashes in Flagler County: 17 fatal crashes, with a resultant 17 deaths (including nine motorcyclists). Alcohol is determined as the main factor for the fatal crashes in Miami-Dade County in an estimated 26% of all driving fatalities.

Auto Insurance Analysis:

  1. More than 101 thousand automobiles registered in Flagler County need insurance coverage. Basic Liability and Personal Injury Protection (PIP) coverages are required by Florida state to all vehicles on the road to safeguard others from the damages you may cause during vehicular accidents. The basis of insurance premiums depends on the type of vehicle and usage. The additional required insurance may be: Non-owners car insurance, Farm or Commercial Auto, Farm or Commercial Transportation, Inland Marine, Collision Coverage, Ride-sharing Coverage, Short-term Car Insurance, etc.
  2. Uninsured Driver Coverage is still very important for Flagler County residents, considering 1 in 5 crashes are hit-and-run, and 1 out of 5 drivers are reported to be uninsured.

To know more about your auto insurance options and to find affordable car insurance in Flagler County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Florida.

Flagler County Housing Statistics and Analysis

Much like most of Florida, Flagler County’s approximately 58,391 housing units are mostly made up of owners occupying the property, with nearly 76% versus 24% for renters. Flagler County’s home owner-occupied rate is the 2nd-highest among its nearby counties, with St. Johns County leading with 80% (owner-occupied) and 20% (renters), while Volusia County ranks the least in terms of residential real estate occupied by the owners - at around 70%. The average percentage of homes occupied by the owners in Florida is 65%.

Across Florida, Sumter County has the most homes occupied by owners (nearly 90%), while Miami-Dade County offers the highest percentage of its real estate as rentals (49%).

Over 15% of housing units in Flagler County encounter housing problems like plumbing issues, overcrowding, or kitchen problems. In 25% of homes, residents spend more than half of their income on housing alone.

Housing Insurance Analysis:

  1. Over 58 thousand housing properties in Flagler County require insurance coverage. All owners of these properties should have at least Homeowners, Condo Insurance, and/or Business Property Insurance to safeguard the underlying financial investment from possible loss or damage.
  2. With over 14 thousand housing units in Flagler County listed as rentals, owners of these properties procure Landlord Insurance to cover the property from possible liability claims arising from the tenants and their guests.
  3. Renter Insurance Palm Coast: To protect the tenant’s property from possible damage or loss, they obtain Renters Insurance. Standard renters insurance is affordable, and it covers the tenant’s property from burglary and damages caused by fire, smoke, water, and vandalism. Some landlords in Flagler County may require renters insurance as part of the lease conditions.
  4. Flagler County is located on the coast, not far from one of the main hurricane formation areas in the Atlantic Ocean. Hurricanes typically cause damage through wind and flooding. The highest probability of a hurricane occurrence in Flagler County is between early June and the end of November. Every Florida resident should be aware of the procedures and safeguards set in place by the local County and State agencies. All homeowners, landlords, and renters in Flagler County should maintain appropriate insurance coverage to protect their property against possible loss and damage from wind and water damage.

For inquiries and other information about Homeowners, Renters, Condo, Flood, and different residential insurance in Flagler County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Florida.

A Florida P&C insurance agent:

  • Examines your needs and limitations
  • Examines your current policy to ensure that the coverages reflect the housing market's current requirements and help update if needed
  • Reviews the local plans that meet your requirements and is generally able to discover a better offer than a customer might get on their own
  • Checks for available savings and bundling discount
  • Lays out available options of coverage
  • Describes the effect of the different options once the insurance policy becomes active
  • Helps you with the process of application
  • Does not influence your cost of insurance (Agent’s service is usually paid by the insurer)

Flagler County Health Statistics and Analysis

Flagler County is rated third-highest among its neighboring counties in terms of proper health insurance, with 17% of its population not having proper coverage. Among Flagler County’s neighbors, Putnam County has the highest percentage of uninsured adults (22%), followed by Volusia County (18%). In the entire state of Florida, Hendry County has the highest percentage of uninsured adults at 35%, while the lowest rate is observed in St. Johns County at under 13%. In 2021 the average adult uninsured rate in Florida was around 19.2%.

Close to 19% of adult residents in Flagler County report health problems, which is roughly 23,000 people.

Furthermore, over 26% of residents in Flagler County do not engage in regular physical exercise activities, which is partially the reason why around 27% of the population in the County has problems with obesity (with a BMI of 30 or more). This figure is the same as the Florida state average. Among Flagler County’s neighbors, Putnam County has the highest obesity rate, with nearly 39%, while the lowest is reported in St. Johns County, closer to 23% of its adult population.

In 2022, 14 health insurers in Flagler County offered affordable and frequently subsidized ACA health insurance on the Florida health marketplace.

Health Insurance Analysis:

  1. More than 16 thousand residents of Flagler County do not have the most important insurance coverage - health insurance.
  2. The sale of multiple types of health insurance and supplemental products is allowed in the state of Florida. This makes it easier for Flagler County residents to acquire coverage that fits their specific needs (both medically and financially): Various types of Short-term insurance (up to 3 years in coverage), Marketplace ACA Health Insurance, Hospital Indemnity, Accident & Health, and so on.
  3. Low-income health insurance: Low-income residents are advised to apply for government subsidies if they are unable to afford health insurance. This will substantially lower the cost of insurance.
  4. Short-term Insurance is an alternative option if you wish to save money and do not have any pre-existing conditions. (*Some Florida multi-year short-term health insurance plans may cover certain pre-existing conditions after a year or more of coverage)

Explore your insurance needs with a state-licensed Florida health insurance professional with access to various health insurance plans available in Flagler County. Offerings of health insurance coverage and its pricing may differ between zip codes.

A Florida health insurance agent: analyzes your needs and restrictions, researches the locally available plans that fit your needs, provides you with the available options of coverage, and explains how the differences between the options affect you once you start using each insurance product. The agent assists you with the application process, and at any time, you need to make a change to the policy or shop for replacement coverage.

Flagler County End of Life Statistics and Analysis

In Flagler County, the average life expectancy for residents is roughly 79.5 years old, which is lower than the Florida state average of 80 years. Among its immediate neighbors, St. Johns County has the longest life span at 81.9 years, while the shortest is in Putnam County with 73.9 years. In the entire state of Florida, Collier County has the highest life expectancy, at over 86 years, while the lowest life span in Florida is seen in Union County, at under 69 years old.

Approximately 38,000 seniors (65 and older) lived in Flagler County in 2022.

Life Insurance Facts:

  1. It is estimated that 47% of Americans did not have an active life insurance policy of any type in 2022.
  2. Life insurance premiums are based on the age of the insured when the policy begins, among other factors. The younger you are when you get it, the more you save in premiums over the course of the policy.
  3. Roughly 20% of the adults in Flagler County are smokers. This habit can raise the cost of life insurance premiums of more than 20,000 adults by up to 4 times compared to non-smokers. A smoker’s life expectancy is deemed shorter, making them more of a risk than people who do not smoke.
  4. Besides the death benefit, Cash Value life insurance can be used by the insured while they are still alive to borrow against it or use it as a tax-free retirement income source.

Flagler County - Funeral Expenses Statistics and Analysis

When funeral costs are considered, Flagler County’s $5,600 average is the second-highest average funeral cost among its neighbors. St. Johns County reports the highest funeral cost in the area, with an average of $6,400. Putnam County has the most cost-effective funeral cost in the region and the entire state of Florida, at over $4,600 – much lower than the Florida average of $5,900. These costs include basic service fees, casket, embalming, transportation, viewing, and burial.

Statewide, Putnam County is tied with DeSoto County for having the most affordable funeral costs, while Collier County funeral homes charge the highest at around $9,600.

Life Insurance Analysis:

  1. 46% of Americans die with a savings of less than $10,000, which means that over 17 thousand Flagler County senior residents could be placing an unnecessary financial burden on friends or family. They may have no time to grieve as they must look for a way to pay for the funeral.

    (Note: If using senior life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. The deceased also frequently leave taxes and other debts behind for the family to take care of aside from the burial costs. Discuss your senior life insurance options with licensed Florida professionals.

  3. Usually, Term Life Insurance and Final Expense Insurance (FE) are the most used life insurance policies to cover “final expenses” up to $50,000. The most common life insurance policies to leave money to the family are: Term Life Insurance and variations of Permanent Life Insurance, such as Whole Life insurance, Indexed Universal Life (IUL) insurance, and Final Expense (FE).

Talk to an experienced and licensed Florida insurance professional about life insurance options and to get life insurance quotes in Flagler County. Knowledgeable insurance agents with access to multiple insurers can help you evaluate your needs and then offer you different solutions to fill them.

Flagler County - Business

Commercial insurance needs vary between each of the nearly 3 thousand business establishments in Flagler County. The three largest job-creating sectors, accounting for almost 51% of all employment in the county in 2020, were:

  • Manufacturing (18.9%)
  • Education and Health Services (16.3%)
  • Government (15.5%)

Commercial Insurance Analysis

  1. Manufacturing businesses usually require insurance coverage for:
  • Production facilities and property
  • Employees’ health and safety
  • Product liability coverage protects the company itself in case the product hurts someone and the injured party files a claim or a suit against the manufacturer.
  1. Health providers often obtain Medical Malpractice Coverage according to the amount of damage their work can cause to the patients.

To assess your business insurance needs and to get a commercial insurance quote in Flagler County, speak with a knowledgeable Florida-licensed commercial insurance agent with access to multiple insurers and premium finance options. Always try to compare at least 2 or 3 options before deciding on the coverage.