Home Insurance in Aventura, Florida
Homes in Aventura carry a median value of $451,100 - close to the Miami-Dade County median.
The typical home in Aventura was built around 1989. About 1% of homes were built before 1960, about 20 points below Miami-Dade County's 21%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Aventura breaks down to 8% single-family homes and 90% apartments in buildings with 5+ units.
In Aventura, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Aventura has an owner-occupancy rate of 64% and a vacancy rate of 34%; unoccupied homes typically need a different coverage form.
89% of homes in Aventura are primarily heated with electricity.
Miami-Dade County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. Miami-Dade County had 355,123 active NFIP flood policies as of September 2026. See the full Miami-Dade 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 | $451,100 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Miami-Dade County | 355,123 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Nearby towns
- Golden Beach
- Sunny Isles Beach
- Hallandale Beach
- North Miami Beach
- West Park
- Pembroke Park
- Bal Harbour
- North Miami
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)