Home Insurance in Lantana, Florida
The median home value in Lantana is $396,200, 11% lower than the Palm Beach County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Lantana was built around 1975. About 27% of homes were built before 1960, about 19 points above Palm Beach County's 8%.
Housing in Lantana breaks down to 47% single-family homes, 38% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Lantana, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 53% of occupied homes in Lantana are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Lantana - 90% - are primarily heated with electricity.
What's the biggest home insurance risk near Lantana? FEMA's National Risk Index points to hurricane (Very High) in Palm Beach County and Palm Beach County had 128,176 active NFIP flood policies as of September 2026. See the full Palm Beach 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 | $396,200 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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
- South Palm Beach
- Manalapan
- Lake Worth Beach
- Atlantis
- Ocean Ridge
- Boynton Beach
- Lake Clarke Shores
- Palm Springs
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)