Home Insurance in Marion County, Florida
With a median home value of $243,100, Marion County is 32% lower than the Florida median.
The typical home in Marion County was built around 1993. About 5% of homes were built before 1960, about 5 points below Florida's 10%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Marion County is 70% single-family homes, 7% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 49% of owner-occupied homes in Marion County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Marion County has an owner-occupancy rate of 77% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
87% of homes in Marion County are primarily heated with electricity.
Per FEMA's National Risk Index, Marion County's top hazards are hurricane (Relatively High), tornado (Relatively High) and wildfire (Relatively Moderate).
As of September 2026, Marion County has 3,673 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $243,100 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Tornado (Relatively High), Wildfire (Relatively Moderate) |
| Active NFIP flood policies (county) | 3,673 |
| 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)