Home Insurance in South Daytona, Florida
With a median home value of $222,200, South Daytona is 29% lower than the Volusia County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in South Daytona was built around 1976. About 9% of homes were built before 1960, about 2 points below Volusia County's 11%.
The housing stock in South Daytona is 52% single-family homes, 27% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 46% of owner-occupied homes in South Daytona have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
South Daytona has an owner-occupancy rate of 64% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in South Daytona - 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 | $222,200 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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
- Daytona Beach Shores
- Port Orange
- Daytona Beach
- Holly Hill
- Ponce Inlet
- Ormond Beach
- Edgewater
- 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)