Home Insurance in Zolfo Springs, Florida
The median home value in Zolfo Springs is $115,100, 25% lower than the Hardee County median.
The typical home in Zolfo Springs was built around 1977. About 12% of homes were built before 1960, about 1 point above Hardee County's 11%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Zolfo Springs is 65% single-family homes and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Zolfo Springs, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Zolfo Springs has an owner-occupancy rate of 71% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Zolfo Springs, 96% of homes are primarily heated with electricity.
FEMA rates Hardee County's overall risk as Relatively Low, led by strong wind (Very High). Hardee County had 122 active NFIP flood policies as of September 2026. See the full Hardee 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 | $115,100 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Hardee County | 122 |
| 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)