Home Insurance in Hialeah Gardens, Florida
With a median home value of $342,000, Hialeah Gardens is 26% lower than the Miami-Dade County median.
The typical home in Hialeah Gardens was built around 1992. About 3% of homes were built before 1960, about 18 points below Miami-Dade County's 21%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hialeah Gardens is 46% single-family homes, 38% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
In Hialeah Gardens, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hialeah Gardens has an owner-occupancy rate of 61% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
95% of homes in Hialeah Gardens 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 | $342,000 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)