Home Insurance in Ponce Inlet, Florida
Homes in Ponce Inlet carry a median value of $544,300 - 74% higher 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 Ponce Inlet was built around 1993. About 2% of homes were built before 1960, about 9 points below Volusia County's 11%.
Housing in Ponce Inlet breaks down to 39% single-family homes and 59% apartments in buildings with 5+ units.
About 37% of owner-occupied homes in Ponce Inlet have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ponce Inlet has an owner-occupancy rate of 92% and a vacancy rate of 45%; unoccupied homes typically need a different coverage form.
Most homes in Ponce Inlet - 95% - 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 | $544,300 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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
- Port Orange
- Daytona Beach Shores
- South Daytona
- Edgewater
- Daytona Beach
- Holly Hill
- Oak Hill
- Ormond 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)