Home Insurance in Apopka, Florida
The median home value in Apopka is $394,900, close to the Orange County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Apopka was built around 2002. About 4% of homes were built before 1960, about 5 points below Orange County's 9%.
In Apopka, the housing stock is 86% single-family homes, 8% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Apopka, about 79% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Apopka has an owner-occupancy rate of 78% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Apopka, 93% of homes are primarily heated with electricity.
FEMA rates Orange County's overall risk as Relatively High, led by strong wind (Very High). Orange County had 16,701 active NFIP flood policies as of September 2026. See the full Orange 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 | $394,900 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 79% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Orange County | 16,701 |
| 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)