Home Insurance in Howey-in-the-Hills, Florida
The median home value in Howey-in-the-Hills is $387,200, 22% higher than the Lake County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Howey-in-the-Hills was built around 1990. About 23% of homes were built before 1960, about 15 points above Lake County's 8%.
In Howey-in-the-Hills, the housing stock is 89% single-family homes and 2% apartments in buildings with 5+ units.
About 71% of owner-occupied homes in Howey-in-the-Hills have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Howey-in-the-Hills has an owner-occupancy rate of 90% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
98% of homes in Howey-in-the-Hills are primarily heated with electricity.
Lake County had 3,842 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). See the full Lake 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 | $387,200 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)