Home Insurance in Punta Gorda, Florida
With a median home value of $518,100, Punta Gorda is 58% higher than the Charlotte 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 Punta Gorda was built around 1994. About 3% of homes were built before 1960, in line with Charlotte County (3%).
The housing stock in Punta Gorda is 61% single-family homes, 22% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 34% of owner-occupied homes in Punta Gorda have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Punta Gorda has an owner-occupancy rate of 82% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
94% of homes in Punta Gorda are primarily heated with electricity.
FEMA rates Charlotte County's overall risk as Relatively High, led by hurricane (Very High). Charlotte County had 39,293 active NFIP flood policies as of September 2026. See the full Charlotte County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Florida, the statewide average premium for a standard HO-3 homeowners policy is $2,779 per year (NAIC, 2023 data).
Key figures
| Median home value | $518,100 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Charlotte County | 39,293 |
| 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)