Home Insurance in Florida City, Florida
Homes in Florida City carry a median value of $399,200 - 14% lower than the Miami-Dade County median.
The typical home in Florida City was built around 1990. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 9% of homes were built before 1960, about 12 points below Miami-Dade County's 21%.
The housing stock in Florida City is 55% single-family homes and 33% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
65% of owner-occupied homes in Florida City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Florida City has an owner-occupancy rate of 31% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Florida City - 97% - are primarily heated with electricity.
Miami-Dade County had 355,123 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). 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 | $399,200 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 31% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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
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)