Home Insurance in Altamonte Springs, Florida
Homes in Altamonte Springs carry a median value of $293,000 - 24% lower than the Seminole County median.
The typical home in Altamonte Springs was built around 1983. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 4% of homes were built before 1960, about 2 points below Seminole County's 6%.
The housing stock in Altamonte Springs is 35% single-family homes and 50% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
57% of owner-occupied homes in Altamonte Springs carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 43% of occupied homes in Altamonte Springs are owner-occupied.
In Altamonte Springs, 95% of homes are primarily heated with electricity.
FEMA rates Seminole County's overall risk as Relatively Moderate, led by tornado (Relatively High). Seminole County had 7,140 active NFIP flood policies as of September 2026. See the full Seminole 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 | $293,000 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Seminole County | 7,140 |
| 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)