Home Insurance in Umatilla, Florida
The median home value in Umatilla is $227,600, 29% lower than the Lake County median.
The typical home in Umatilla was built around 1986. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 22% of homes were built before 1960, about 14 points above Lake County's 8%.
The housing stock in Umatilla is 67% single-family homes, 14% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Umatilla, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 69% of occupied homes in Umatilla are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Umatilla - 94% - are primarily heated with electricity.
What's the biggest home insurance risk near Umatilla? 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.
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 | $227,600 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)