Home Insurance in Edgewater, Florida
Homes in Edgewater carry a median value of $256,200 - 18% lower than the Volusia County median.
The typical home in Edgewater was built around 1988. About 7% of homes were built before 1960, about 4 points below Volusia County's 11%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Edgewater, the housing stock is 85% single-family homes, 2% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 54% of owner-occupied homes in Edgewater have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 90% of occupied homes in Edgewater are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Edgewater - 97% - are primarily heated with electricity.
What's the biggest home insurance risk near Edgewater? FEMA's National Risk Index points to hurricane (Very High) in Volusia County and 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.
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 | $256,200 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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
- Oak Hill
- Ponce Inlet
- Port Orange
- South Daytona
- Daytona Beach Shores
- Deltona
- Lake Helen
- Daytona Beach
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)