Home Insurance in Deltona, Florida
With a median home value of $285,400, Deltona is 9% lower than the Volusia County median.
The typical home in Deltona was built around 1988. About 2% of homes were built before 1960, about 8 points below Volusia County's 11%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Deltona, the housing stock is 95% single-family homes and 1% apartments in buildings with 5+ units.
About 74% of owner-occupied homes in Deltona have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Deltona are owner-occupied.
Most homes in Deltona - 92% - 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 | $285,400 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)