Home Insurance in Arcadia, Florida
Homes in Arcadia carry a median value of $177,700 - close to the DeSoto County median.
The typical home in Arcadia was built around 1973. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 29% of homes were built before 1960, about 18 points above DeSoto County's 12%.
In Arcadia, the housing stock is 64% single-family homes, 12% apartments in buildings with 5+ units and 5% 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.
In Arcadia, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 49% of occupied homes in Arcadia are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Arcadia, 95% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Arcadia? FEMA's National Risk Index points to hurricane (Relatively High) in DeSoto County and DeSoto County had 462 active NFIP flood policies as of September 2026. See the full DeSoto 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 | $177,700 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in DeSoto County | 462 |
| 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)