Home Insurance in Venice, Florida
The median home value in Venice is $434,700, 6% higher than the Sarasota County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Venice was built around 1986. About 7% of homes were built before 1960, in line with Sarasota County (8%).
The housing stock in Venice is 50% single-family homes, 31% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 39% of owner-occupied homes in Venice have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 80% of occupied homes in Venice are owner-occupied. The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Venice - 86% - are primarily heated with electricity.
FEMA rates Sarasota County's overall risk as Relatively High, led by hurricane (Very High). Sarasota County had 59,307 active NFIP flood policies as of September 2026. See the full Sarasota 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 | $434,700 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Sarasota County | 59,307 |
| 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)