Home Insurance in Zephyrhills, Florida
With a median home value of $224,700, Zephyrhills is 25% lower than the Pasco County median.
The typical home in Zephyrhills was built around 1990. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 9% of homes were built before 1960, about 6 points above Pasco County's 3%.
The housing stock in Zephyrhills is 54% single-family homes, 11% apartments in buildings with 5+ units and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in Zephyrhills 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 70% of occupied homes in Zephyrhills are owner-occupied.
Most homes in Zephyrhills - 95% - 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.
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 | $224,700 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)