Home Insurance in Plant City, Florida
The median home value in Plant City is $291,800, 21% lower than the Hillsborough 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 Plant City was built around 1989. About 15% of homes were built before 1960, about 4 points above Hillsborough County's 11%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Plant City is 72% single-family homes, 16% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
About 60% of owner-occupied homes in Plant City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Plant City are owner-occupied.
95% of homes in Plant City are primarily heated with electricity.
FEMA rates Hillsborough County's overall risk as Relatively High, led by tornado (Very High). Hillsborough County had 63,039 active NFIP flood policies as of September 2026. See the full Hillsborough 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 | $291,800 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Hillsborough County | 63,039 |
| 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)