Home Insurance in Cloud Lake, Florida
With a median home value of $233,100, Cloud Lake is 48% lower than the Palm Beach County median.
The typical home in Cloud Lake was built around 1954. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 78% of homes were built before 1960, about 70 points above Palm Beach County's 8%.
Housing in Cloud Lake breaks down to 91% single-family homes and 1% apartments in buildings with 5+ units.
In Cloud Lake, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 73% of occupied homes in Cloud Lake are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Cloud Lake, 42% of homes are primarily heated with electricity.
Palm Beach County had 128,176 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). See the full Palm Beach 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 | $233,100 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Palm Beach County | 128,176 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Nearby towns
- Glen Ridge
- Lake Clarke Shores
- Palm Beach
- Palm Springs
- Haverhill
- Lake Worth Beach
- Atlantis
- Mangonia Park
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)