Home Insurance in San Antonio, Florida
The median home value in San Antonio is $371,300, 23% higher than the Pasco County median.
The typical home in San Antonio was built around 1996. About 14% of homes were built before 1960, about 11 points above Pasco County's 3%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in San Antonio breaks down to 96% single-family homes.
About 58% of owner-occupied homes in San Antonio have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 89% of occupied homes in San Antonio are owner-occupied.
98% of homes in San Antonio are primarily heated with electricity.
Pasco County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. 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.
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 | $371,300 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 89% |
| 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)