Home Insurance in Naples, Florida
With a median home value of $1,525,600, Naples is 182% higher than the Collier County median.
The typical home in Naples was built around 1983. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 5% of homes were built before 1960, about 3 points above Collier County's 1%.
The housing stock in Naples is 34% single-family homes, 60% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Naples, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 48%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Naples are owner-occupied.
Most homes in Naples - 89% - are primarily heated with electricity.
Collier County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. 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 | $1,525,600 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 82% |
| 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)