Home Insurance in El Portal, Florida
The median home value in El Portal is $723,900, 56% higher than the Miami-Dade County median.
The typical home in El Portal was built around 1953. About 80% of homes were built before 1960, about 59 points above Miami-Dade County's 21%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in El Portal is 92% single-family homes, 4% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In El Portal, about 77% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in El Portal are owner-occupied.
Most homes in El Portal - 96% - are primarily heated with electricity.
FEMA rates Miami-Dade County's overall risk as Very High, led by hurricane (Very High). 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.
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 | $723,900 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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
- Miami Shores
- Biscayne Park
- North Bay Village
- North Miami
- Indian Creek
- Miami Beach
- Bay Harbor Islands
- Surfside
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)