Home Insurance in Winter Park, Florida
Homes in Winter Park carry a median value of $731,400 - 87% higher than the Orange County median.
The typical home in Winter Park was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 29% of homes were built before 1960, about 20 points above Orange County's 9%.
Housing in Winter Park breaks down to 67% single-family homes and 27% apartments in buildings with 5+ units.
In Winter Park, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Winter Park are owner-occupied.
Most homes in Winter Park - 89% - are primarily heated with electricity.
Orange County had 16,701 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). 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 | $731,400 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)