Home Insurance in Titusville, Florida
Homes in Titusville carry a median value of $266,600 - 21% lower than the Brevard County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Titusville was built around 1982. About 10% of homes were built before 1960, about 3 points above Brevard County's 8%.
The housing stock in Titusville is 68% single-family homes, 22% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
60% of owner-occupied homes in Titusville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Titusville has an owner-occupancy rate of 72% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Titusville - 85% - are primarily heated with electricity.
What's the biggest home insurance risk near Titusville? 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.
The statewide average premium for a standard HO-3 homeowners policy in Florida is $2,779 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $266,600 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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
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)