Home Insurance in Davenport, Florida
With a median home value of $333,300, Davenport is 25% higher than the Polk County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Davenport was built around 2015. About 1% of homes were built before 1960, about 9 points below Polk County's 10%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Davenport is 86% single-family homes, 2% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
In Davenport, about 87% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Davenport has an owner-occupancy rate of 89% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Davenport - 88% - are primarily heated with electricity.
What's the biggest home insurance risk near Davenport? FEMA's National Risk Index points to strong wind (Very High) in Polk County and Polk County had 7,575 active NFIP flood policies as of September 2026. See the full Polk County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $333,300 |
|---|---|
| Median year built | 2015 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 87% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Polk County | 7,575 |
| 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)