Home Insurance in Oak Hill, Florida
Homes in Oak Hill carry a median value of $313,600 - close to the Volusia County median.
The typical home in Oak Hill was built around 1994. About 12% of homes were built before 1960, about 2 points above Volusia County's 11%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Oak Hill is 70% single-family homes and 27% mobile or manufactured homes.
40% of owner-occupied homes in Oak Hill carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 87% of occupied homes in Oak Hill are owner-occupied.
Most homes in Oak Hill - 95% - 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 | $313,600 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)