Home Insurance in Coleman, Florida
The median home value in Coleman is $161,800, 58% lower than the Sumter County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Coleman was built around 1974. About 32% of homes were built before 1960, about 29 points above Sumter County's 3%.
In Coleman, the housing stock is 62% single-family homes, 3% apartments in buildings with 5+ units and 32% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Coleman, about 33% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 72% of occupied homes in Coleman are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Coleman - 100% - are primarily heated with electricity.
Sumter County's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. Sumter County had 2,901 active NFIP flood policies as of September 2026. See the full Sumter 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 | $161,800 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Sumter County | 2,901 |
| 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)