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Area data

Horseshoe Beach, FL — ZIP 32648

Population: 510 (Census ACS)

The median home value in ZIP 32648 (Horseshoe Beach, FL) is $222,126 — down 1.6% over the past year. FEMA's National Risk Index rates the county's overall natural-hazard risk Very Low, with coastalflooding, hurricane, lightning the top-rated hazards. Cost of living is 1.0% above the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$222,126

Median home value

-1.6%

1-year change

Very Low

Hazard risk (county)

Home values & appreciation

Median home value
$222,126
1-year appreciation
-1.6%
3-year appreciation
-10.8%
5-year appreciation
+12.3%
10-year appreciation
+74.8%
All-time peak (2022-08)
$250,740
House Price Index (state)
542.2 (-2.6% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

For-sale inventory
13

Source: recent area sales and market data (ZIP-level)

Affordability

Cost of living index (Above Average)
101.0 (100 = US avg)
Electricity rate (state-level)
15.2¢/kWh
Natural gas rate (state-level)
$25.50/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Natural hazards & flood risk

Overall hazard risk (county)
Very Low
Top hazards (county)
coastalFlooding, hurricane, lightning
Notable hazard ratings (county)
coastalFlooding: Relatively Moderate · hurricane: Relatively Moderate · lightning: Relatively Moderate · tornado: Relatively Low · wildfire: Relatively Low
Wildfire risk to homes (county)
Higher than 83% of US counties
Buildings in wildfire direct-exposure zone
78.5%
Radon potential (county)
Low radon potential — EPA Zone 3 of 3
EPA Superfund (NPL) sites within 5 mi
None
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
69.0°F
Average high
81.0°F
Average low
57.5°F
Annual precipitation
56.6 in
USDA plant hardiness zone
9a (extreme annual low 20 to 25°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Amenities

Airports within 30 mi
18
Nearest airport
Cross City Airport (CTY) (9 mi)
Hospitals nearby (~15 mi)
1,090
Hospitals include
MIZELL MEMORIAL HOSPITAL, CRENSHAW COMMUNITY HOSPITAL, CRENSHAW COMMUNITY HOSPITAL
Avg hospital rating (CMS)
3.1 / 5
Best hospital rating nearby (CMS)
5.0 / 5
Solar radiation rating
Good (4.9 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
+207 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,994
Housing built before 1970
9.0%
Housing built 2000 or later
33.2%
Median annual property tax
$928
Households with broadband internet
22.5%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
1,876
Average weekly wage
$816
Top industries (by employment)
Accommodation & Food, Construction, Agriculture
Annual residential building permits (county)
49

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 32648State medianUS median
Median home value$222,126$346,549$289,727
Median annual property tax$928$2,388$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 32648?
$222,126.
What is the natural-hazard risk in ZIP 32648?
Overall risk: Very Low (FEMA NRI, county-level). Top hazards: coastalFlooding, hurricane, lightning.
What is the wildfire risk in ZIP 32648?
Risk to homes is higher than 83% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 32648?
Low radon potential — EPA Zone 3 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 32648?
No current or proposed National Priorities List sites within 5 miles (EPA).
What is the cost of living in ZIP 32648?
Regional Price Parity: 101.0 (100 = US average) (Above Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Sep 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents