Home Insurance in Hialeah, Florida
The median home value in Hialeah is $392,000, 15% lower than the Miami-Dade County median.
The typical home in Hialeah was built around 1975. About 23% of homes were built before 1960, about 2 points above 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 Hialeah breaks down to 48% single-family homes, 44% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 53% of owner-occupied homes in Hialeah have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 47% of occupied homes in Hialeah are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
92% of homes in Hialeah 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 | $392,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 47% |
| 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)