Home Insurance in Fort Myers Beach, Florida
The median home value in Fort Myers Beach is $642,400, 77% higher than the Lee County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Fort Myers Beach was built around 1983. About 6% of homes were built before 1960, about 3 points above Lee County's 3%.
Housing in Fort Myers Beach breaks down to 34% single-family homes and 60% apartments in buildings with 5+ units.
In Fort Myers Beach, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 71%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Fort Myers Beach are owner-occupied.
In Fort Myers Beach, 94% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Fort Myers Beach? FEMA's National Risk Index points to hurricane (Very High) in Lee County and Lee County had 130,448 active NFIP flood policies as of September 2026. See the full Lee 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 | $642,400 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Lee County | 130,448 |
| 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)