Home Insurance in Kissimmee, Florida
With a median home value of $304,400, Kissimmee is 14% lower than the Osceola County median.
The typical home in Kissimmee was built around 1992. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 5% of homes were built before 1960, about 2 points above Osceola County's 3%.
In Kissimmee, the housing stock is 54% single-family homes, 32% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 63% of owner-occupied homes in Kissimmee have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 46% of occupied homes in Kissimmee are owner-occupied.
94% of homes in Kissimmee are primarily heated with electricity.
FEMA rates Osceola County's overall risk as Relatively Moderate, led by strong wind (Very High). Osceola County had 8,932 active NFIP flood policies as of September 2026. See the full Osceola County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Florida is $2,779 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $304,400 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Osceola County | 8,932 |
| 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)