Home Insurance in Holly Hill, Florida
Homes in Holly Hill carry a median value of $205,100 - 34% lower than the Volusia County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Holly Hill was built around 1978. About 25% of homes were built before 1960, about 14 points above Volusia County's 11%.
In Holly Hill, the housing stock is 63% single-family homes, 24% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 46% of owner-occupied homes in Holly Hill have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 53% of occupied homes in Holly Hill are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Holly Hill, 93% of homes 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 | $205,100 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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
- Ormond Beach
- Daytona Beach
- South Daytona
- Daytona Beach Shores
- Port Orange
- Ponce Inlet
- Flagler Beach
- Beverly 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)