Home Insurance in Volusia County, Florida
Homes in Volusia County carry a median value of $313,000 - 13% lower than the Florida median.
The typical home in Volusia County was built around 1986. About 11% of homes were built before 1960, in line with Florida (10%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Volusia County is 69% single-family homes, 18% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
56% of owner-occupied homes in Volusia County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 74% of occupied homes in Volusia County are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Volusia County, 93% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Volusia County's top hazards are hurricane (Very High), tornado (Relatively High) and wildfire (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Volusia County has 46,339 active NFIP flood policies on file.
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 | $313,000 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Hurricane (Very High), Tornado (Relatively High), Wildfire (Relatively Moderate) |
| Active NFIP flood policies (county) | 46,339 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Towns and cities
- Daytona Beach
- Daytona Beach Shores
- DeBary
- Deltona
- Edgewater
- Holly Hill
- Lake Helen
- Oak Hill
- Orange City
- Ormond Beach
- Pierson
- Ponce Inlet
- Port Orange
- South Daytona
Smaller communities
-
DeLand
- Median home value: $330,900
- Median year built: 1996
- Owner-occupied share: 64%
-
New Smyrna Beach
- Median home value: $395,300
- Median year built: 1989
- Owner-occupied share: 77%
Sources
- 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)