Home Insurance in Lady Lake, Florida
The median home value in Lady Lake is $227,300, 29% lower than the Lake 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 Lady Lake was built around 1994. About 0% of homes were built before 1960, about 7 points below Lake County's 8%.
The housing stock in Lady Lake is 51% single-family homes, 12% apartments in buildings with 5+ units and 31% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lady Lake, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 73% of occupied homes in Lady Lake are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Lady Lake - 92% - are primarily heated with electricity.
What's the biggest home insurance risk near Lady Lake? 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 | $227,300 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)