Home Insurance in Cocoa, Florida
Homes in Cocoa carry a median value of $246,100 - 28% lower than the Brevard County median.
The typical home in Cocoa was built around 1975. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 26% of homes were built before 1960, about 19 points above Brevard County's 8%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cocoa is 64% single-family homes, 25% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
53% of owner-occupied homes in Cocoa carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 63% of occupied homes in Cocoa are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Cocoa, 88% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Cocoa? FEMA's National Risk Index points to hurricane (Very High) in Brevard County and Brevard County had 42,035 active NFIP flood policies as of September 2026. See the full Brevard County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Florida carries a statewide average premium of $2,779 per year.
Key figures
| Median home value | $246,100 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Brevard County | 42,035 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Nearby towns
- Rockledge
- Cocoa Beach
- Cape Canaveral
- Titusville
- Palm Shores
- Satellite Beach
- Indian Harbour Beach
- Melbourne
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)