Home Insurance in Maitland, Florida
With a median home value of $523,200, Maitland is 34% higher than the Orange County median.
The typical home in Maitland was built around 1996. About 8% of homes were built before 1960, in line with Orange County (9%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Maitland is 43% single-family homes and 54% apartments in buildings with 5+ units.
In Maitland, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Maitland has an owner-occupancy rate of 44% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Maitland, 89% 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 | $523,200 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)