Home Insurance in Orange City, Florida
With a median home value of $259,100, Orange City is 17% lower than the Volusia County median.
The typical home in Orange City was built around 1991. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 7% of homes were built before 1960, about 4 points below Volusia County's 11%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Orange City is 53% single-family homes, 23% apartments in buildings with 5+ units and 15% mobile or manufactured homes.
About 55% of owner-occupied homes in Orange City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Orange City are owner-occupied.
Most homes in Orange City - 97% - are primarily heated with electricity.
What's the biggest home insurance risk near Orange City? 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.
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 | $259,100 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)