Home Insurance in Fort Meade, Florida
Homes in Fort Meade carry a median value of $175,900 - 34% lower than the Polk County median.
The typical home in Fort Meade was built around 1978. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 26% of homes were built before 1960, about 16 points above Polk County's 10%.
The housing stock in Fort Meade is 70% single-family homes, 3% apartments in buildings with 5+ units and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 40% of owner-occupied homes in Fort Meade have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Fort Meade has an owner-occupancy rate of 70% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Fort Meade - 90% - are primarily heated with electricity.
Polk County had 7,575 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). See the full Polk 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 | $175,900 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)