Home Insurance in Ormond Beach, Florida
With a median home value of $354,800, Ormond Beach is 13% higher than the Volusia County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Ormond Beach was built around 1984. About 10% of homes were built before 1960, in line with Volusia County (11%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ormond Beach is 71% single-family homes, 16% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
About 52% of owner-occupied homes in Ormond Beach have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Ormond Beach are owner-occupied.
95% of homes in Ormond Beach 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.
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 | $354,800 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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
- Holly Hill
- Daytona Beach
- South Daytona
- Daytona Beach Shores
- Flagler Beach
- Port Orange
- Beverly Beach
- Bunnell
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)