Home Insurance in Pasco County, Florida
The median home value in Pasco County is $300,900, 16% lower than the Florida median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Pasco County was built around 1992. About 3% of homes were built before 1960, about 7 points below Florida's 10%.
The housing stock in Pasco County is 70% single-family homes, 9% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
57% of owner-occupied homes in Pasco County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pasco County has an owner-occupancy rate of 76% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
91% of homes in Pasco County are primarily heated with electricity.
The top hazards for Pasco County, per FEMA's National Risk Index, are tornado (Relatively High), hurricane (Very High) and wildfire (Relatively Moderate).
Pasco County had 24,358 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $300,900 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Hurricane (Very High), Wildfire (Relatively Moderate) |
| Active NFIP flood policies (county) | 24,358 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)