Home Insurance in Daytona Beach Shores, Florida
With a median home value of $437,800, Daytona Beach Shores is 40% higher than the Volusia County median.
The typical home in Daytona Beach Shores was built around 1988. 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 6 points below Volusia County's 11%.
Housing in Daytona Beach Shores breaks down to 10% single-family homes and 87% apartments in buildings with 5+ units.
38% of owner-occupied homes in Daytona Beach Shores carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 50%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Daytona Beach Shores are owner-occupied.
Most homes in Daytona Beach Shores - 93% - are primarily heated with electricity.
Volusia County had 46,339 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). See the full Volusia 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 | $437,800 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Volusia County | 46,339 |
| 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)