Home Insurance in Marco Island, Florida
The median home value in Marco Island is $896,300, 66% higher than the Collier County median.
The typical home in Marco Island was built around 1987. About 1% of homes were built before 1960, in line with Collier County (1%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Marco Island breaks down to 40% single-family homes and 56% apartments in buildings with 5+ units.
31% of owner-occupied homes in Marco Island carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Marco Island has an owner-occupancy rate of 89% and a vacancy rate of 53%; unoccupied homes typically need a different coverage form.
Most homes in Marco Island - 94% - are primarily heated with electricity.
What's the biggest home insurance risk near Marco Island? FEMA's National Risk Index points to hurricane (Very High) in Collier County and Collier County had 97,637 active NFIP flood policies as of September 2026. See the full Collier 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 | $896,300 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Collier County | 97,637 |
| 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)