Home Insurance in Winter Garden, Florida
The median home value in Winter Garden is $476,000, 22% higher than the Orange County median.
The typical home in Winter Garden was built around 2004. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 6% of homes were built before 1960, about 3 points below Orange County's 9%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Winter Garden is 78% single-family homes, 13% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
About 71% of owner-occupied homes in Winter Garden have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Winter Garden are owner-occupied.
Most homes in Winter Garden - 90% - 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.
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 | $476,000 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)