Home Insurance in Highland Park, Florida
Homes in Highland Park carry a median value of $374,100 - 40% higher than the Polk County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Highland Park was built around 1972. About 36% of homes were built before 1960, about 27 points above Polk County's 10%.
The housing stock in Highland Park is 83% single-family homes, 8% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Highland Park, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Highland Park has an owner-occupancy rate of 98% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
91% of homes in Highland Park are primarily heated with electricity.
What's the biggest home insurance risk near Highland Park? 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.
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 | $374,100 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)