Home Insurance in Port Orange, Florida
The median home value in Port Orange is $317,200, close to the Volusia County median.
The typical home in Port Orange was built around 1989. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 4% of homes were built before 1960, about 7 points below Volusia County's 11%.
The housing stock in Port Orange is 67% single-family homes, 13% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Port Orange, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Port Orange has an owner-occupancy rate of 76% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Port Orange, 95% 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.
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 | $317,200 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 76% |
| 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
- South Daytona
- Daytona Beach Shores
- Ponce Inlet
- Daytona Beach
- Holly Hill
- Edgewater
- Ormond Beach
- Lake Helen
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)