Home Insurance in Mount Dora, Florida
Homes in Mount Dora carry a median value of $381,900 - 20% higher than the Lake County median.
The typical home in Mount Dora was built around 1993. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 16% of homes were built before 1960, about 9 points above Lake County's 8%.
Housing in Mount Dora breaks down to 68% single-family homes, 20% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Mount Dora, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Mount Dora has an owner-occupancy rate of 62% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Mount Dora, 86% of homes 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.
In Florida, the statewide average premium for a standard HO-3 homeowners policy is $2,779 per year (NAIC, 2023 data).
Key figures
| Median home value | $381,900 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)