Home Insurance in Ocoee, Florida
The median home value in Ocoee is $406,400, close to the Orange County median.
The typical home in Ocoee was built around 2000. About 3% of homes were built before 1960, about 6 points below Orange County's 9%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Ocoee, the housing stock is 83% single-family homes, 13% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
72% of owner-occupied homes in Ocoee carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Ocoee are owner-occupied.
92% of homes in Ocoee are primarily heated with electricity.
Orange County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. 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.
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 | $406,400 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)