Home Insurance in Clermont, Florida
The median home value in Clermont is $418,400, 31% higher than the Lake County median.
The typical home in Clermont was built around 2006. About 5% of homes were built before 1960, about 2 points below Lake County's 8%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Clermont, the housing stock is 72% single-family homes, 21% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Clermont, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Clermont are owner-occupied.
In Clermont, 87% of homes are primarily heated with electricity.
FEMA rates Lake County's overall risk as Relatively Moderate, led by strong wind (Very High). Lake County had 3,842 active NFIP flood policies as of September 2026. See the full Lake 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 | $418,400 |
|---|---|
| Median year built | 2006 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Lake County | 3,842 |
| 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)