Home Insurance in St. Cloud, Florida
The median home value in St. Cloud is $356,200, close to the Osceola County median.
The typical home in St. Cloud was built around 2003. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 7% of homes were built before 1960, about 4 points above Osceola County's 3%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in St. Cloud is 82% single-family homes, 4% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
About 76% of owner-occupied homes in St. Cloud have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in St. Cloud are owner-occupied.
93% of homes in St. Cloud are primarily heated with electricity.
What's the biggest home insurance risk near St. Cloud? FEMA's National Risk Index points to strong wind (Very High) in Osceola County and 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.
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 | $356,200 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)