Home Insurance in Minneola, Florida
With a median home value of $420,800, Minneola is 32% 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 Minneola was built around 2007. About 3% of homes were built before 1960, about 5 points below Lake County's 8%.
In Minneola, the housing stock is 91% single-family homes and 5% apartments in buildings with 5+ units.
About 86% of owner-occupied homes in Minneola have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Minneola has an owner-occupancy rate of 82% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Minneola - 89% - are primarily heated with electricity.
Lake County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. 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 | $420,800 |
|---|---|
| Median year built | 2007 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 86% |
| 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)