Home Insurance in Hillcrest Heights, Florida
With a median home value of $270,000, Hillcrest Heights is close to the Polk County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Hillcrest Heights was built around 1976. About 21% of homes were built before 1960, about 12 points above Polk County's 10%.
The housing stock in Hillcrest Heights is 100% single-family homes.
46% of owner-occupied homes in Hillcrest Heights carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hillcrest Heights has an owner-occupancy rate of 97% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Hillcrest Heights - 100% - are primarily heated with electricity.
What's the biggest home insurance risk near Hillcrest Heights? 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 | $270,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)