Home Insurance in Orlando, Florida
With a median home value of $394,100, Orlando is close to the Orange County median.
The typical home in Orlando was built around 1992. About 13% of homes were built before 1960, about 4 points above Orange County's 9%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Orlando breaks down to 41% single-family homes and 50% apartments in buildings with 5+ units.
67% of owner-occupied homes in Orlando carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Orlando has an owner-occupancy rate of 40% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Orlando - 92% - 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 | $394,100 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)