Home Insurance in St. Leo, Florida
With a median home value of $520,800, St. Leo is 73% higher than the Pasco County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in St. Leo was built around 1983. About 4% of homes were built before 1960, in line with Pasco County (3%).
The housing stock in St. Leo is 94% single-family homes, 2% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 33% of owner-occupied homes in St. Leo have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 93% of occupied homes in St. Leo are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In St. Leo, 93% of homes are primarily heated with electricity.
Pasco County had 24,358 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). 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 | $520,800 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)