Home Insurance in Fort Myers, Florida
With a median home value of $384,500, Fort Myers is 6% higher than the Lee County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Fort Myers was built around 2001. About 9% of homes were built before 1960, about 6 points above Lee County's 3%.
In Fort Myers, the housing stock is 46% single-family homes, 42% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
50% of owner-occupied homes in Fort Myers carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 49% of occupied homes in Fort Myers are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Fort Myers - 94% - are primarily heated with electricity.
Lee County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. 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.
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 | $384,500 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)