Home Insurance in Opa-locka, Florida
Homes in Opa-locka carry a median value of $295,800 - 36% lower than the Miami-Dade County median.
The typical home in Opa-locka was built around 1969. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 37% of homes were built before 1960, about 16 points above Miami-Dade County's 21%.
In Opa-locka, the housing stock is 40% single-family homes, 49% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 68% of owner-occupied homes in Opa-locka have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 29% of occupied homes in Opa-locka are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Opa-locka - 95% - 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Florida carries a statewide average premium of $2,779 per year.
Key figures
| Median home value | $295,800 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 29% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)