Home Insurance in Dade City, Florida
With a median home value of $240,800, Dade City is 20% lower than the Pasco County median.
The typical home in Dade City was built around 1980. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 28% of homes were built before 1960, about 25 points above Pasco 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 Dade City is 69% single-family homes, 10% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
58% of owner-occupied homes in Dade City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Dade City are owner-occupied.
95% of homes in Dade City are primarily heated with electricity.
FEMA rates Pasco County's overall risk as Relatively High, led by tornado (Relatively High). Pasco County had 24,358 active NFIP flood policies as of September 2026. See the full Pasco 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 | $240,800 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Pasco County | 24,358 |
| 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)