Home Insurance in Lee County, Florida
The median home value in Lee County is $362,200, close to the Florida median.
The typical home in Lee County was built around 1997. About 3% of homes were built before 1960, about 8 points below Florida's 10%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lee County is 62% single-family homes, 21% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
52% of owner-occupied homes in Lee County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Lee County are owner-occupied.
In Lee County, 94% of homes are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Very High), coastal flooding (Very High) and inland flooding (Relatively High) as the leading hazards for Lee County.
As of September 2026, Lee County has 130,448 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $362,200 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Hurricane (Very High), Coastal Flooding (Very High), Inland Flooding (Relatively High) |
| Active NFIP flood policies (county) | 130,448 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)