Home Insurance in Ocala, Florida
The median home value in Ocala is $241,400, close to the Marion County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Ocala was built around 1984. About 14% of homes were built before 1960, about 8 points above Marion County's 5%.
The housing stock in Ocala is 56% single-family homes, 30% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Ocala, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 52% of occupied homes in Ocala are owner-occupied.
Most homes in Ocala - 82% - are primarily heated with electricity.
Marion County's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. Marion County had 3,673 active NFIP flood policies as of September 2026. See the full Marion 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 | $241,400 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Marion County | 3,673 |
| 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)