Home Insurance in Fruitland Park, Florida
The median home value in Fruitland Park is $382,400, 20% higher than the Lake County median.
The typical home in Fruitland Park was built around 2011. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 5% of homes were built before 1960, about 3 points below Lake County's 8%.
In Fruitland Park, the housing stock is 93% single-family homes and 5% apartments in buildings with 5+ units.
In Fruitland Park, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Fruitland Park are owner-occupied.
82% of homes in Fruitland Park are primarily heated with electricity.
What's the biggest home insurance risk near Fruitland Park? FEMA's National Risk Index points to strong wind (Very High) in Lake County and 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 | $382,400 |
|---|---|
| Median year built | 2011 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)