Home Insurance in Orange County, Florida
The median home value in Orange County is $390,100, 9% higher than the Florida median.
The typical home in Orange County was built around 1994. About 9% of homes were built before 1960, about 1 point below Florida's 10%. 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 Orange County is 62% single-family homes, 30% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Orange County, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 57% of occupied homes in Orange County are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Orange County, 91% of homes are primarily heated with electricity.
The top hazards for Orange County, per FEMA's National Risk Index, are strong wind (Very High), tornado (Very High) and inland flooding (Relatively High).
As of September 2026, Orange County has 16,701 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $390,100 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Very High), Tornado (Very High), Inland Flooding (Relatively High) |
| Active NFIP flood policies (county) | 16,701 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Towns and cities
- Apopka
- Bay Lake
- Belle Isle
- Eatonville
- Edgewood
- Lake Buena Vista
- Maitland
- Oakland
- Ocoee
- Orlando
- Windermere
- Winter Garden
- Winter Park
Sources
- 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)