Home Insurance in Daytona Beach, Florida
With a median home value of $287,700, Daytona Beach is 8% lower than the Volusia County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Daytona Beach was built around 1981. About 18% of homes were built before 1960, about 7 points above Volusia County's 11%.
In Daytona Beach, the housing stock is 48% single-family homes, 39% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
48% of owner-occupied homes in Daytona Beach carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Daytona Beach has an owner-occupancy rate of 47% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
92% of homes in Daytona Beach are primarily heated with electricity.
FEMA rates Volusia County's overall risk as Relatively High, led by hurricane (Very High). Volusia County had 46,339 active NFIP flood policies as of September 2026. See the full Volusia County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $287,700 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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
- Holly Hill
- South Daytona
- Ormond Beach
- Daytona Beach Shores
- Port Orange
- Ponce Inlet
- Lake Helen
- Edgewater
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)