Home Insurance in Winter Springs, Florida
Homes in Winter Springs carry a median value of $378,700 - close to the Seminole 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 Winter Springs was built around 1989. About 2% of homes were built before 1960, about 3 points below Seminole County's 6%.
In Winter Springs, the housing stock is 79% single-family homes, 15% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 66% of owner-occupied homes in Winter Springs have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Winter Springs are owner-occupied.
94% of homes in Winter Springs are primarily heated with electricity.
What's the biggest home insurance risk near Winter Springs? FEMA's National Risk Index points to tornado (Relatively High) in Seminole County and 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.
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 | $378,700 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)