Home Insurance in Longwood, Florida
Homes in Longwood carry a median value of $354,300 - 8% lower than the Seminole County median.
The typical home in Longwood was built around 1983. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 8% of homes were built before 1960, about 2 points above Seminole County's 6%.
Housing in Longwood breaks down to 80% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Longwood, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Longwood are owner-occupied.
88% of homes in Longwood are primarily heated with electricity.
Seminole County had 7,140 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Seminole 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 | $354,300 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)