Homeowners Insurance in Cape Coral, FL
For a home at Cape Coral's median value of $373,500, we estimate about $2,745 a year — −1% versus the Florida NAIC average of $2,779.
Estimated homeowners insurance cost in Cape Coral
Cape Coral's estimate reflects its home values (4% higher than the state median) and FEMA's hazard profile for Lee County.
Natural hazard risk in Cape Coral
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 24.3 | Comprehensive (car); roof claims (home) | |
| Tornado | 87.5 | Comprehensive; dwelling | |
| Hurricane | 99.9 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 97.3 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 97.4 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 64.9 | Comprehensive; dwelling | |
| Winter weather | 0.0 | Collision (icy roads); frozen pipes (home) | |
| Wildfire | 96.6 | Comprehensive; dwelling | |
| Earthquake | 33.9 | Home needs a separate earthquake policy | |
| Lightning | 99.8 | Fire and electrical damage |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated premium by home value in Cape Coral
| Dwelling value | Wood frame | Brick / masonry |
|---|---|---|
| $200,000 | $1,665 | $1,535 |
| $300,000 | $2,305 | $2,120 |
| $500,000 | $3,470 | $3,190 |
| $750,000 | $4,800 | $4,415 |
Home Insurance Estimator
Homeowners insurance by ZIP code in Cape Coral
| ZIP | Median home value | Owner-occupied | Est. premium |
|---|---|---|---|
| 33914 | $447,100 | 79.4% | $3,170 |
| 33909 | $324,100 | 70.4% | $2,450 |
| 33993 | $364,800 | 87.4% | $2,695 |
| 33990 | $353,500 | 72.6% | $2,630 |
| 33904 | $383,000 | 77.0% | $2,805 |
| 33991 | $390,300 | 78.7% | $2,845 |
Homeowners insurance in Florida · Car insurance in Cape Coral · Insurance offices near Cape Coral
Frequently asked questions
How much is homeowners insurance in Cape Coral?
For a home at Cape Coral's median value of $373,500, we estimate about $2,745 a year for a standard HO-3 policy with a $1,000 deductible. The Florida NAIC average is $2,779.
What are the biggest natural hazards in Cape Coral?
FEMA's National Risk Index rates Lee County relatively high or very high for hurricane, inland (river) flooding, coastal flooding, and lightning.
Does the age of homes in Cape Coral affect insurance?
Yes. The median home in Cape Coral was built in 2000 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.
How we estimate this
We start from the NAIC average homeowners (HO-3) premium for Florida, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Lee County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 (July 2026), Tables 4 and 5 (HO-3 and HO-4 average premiums)
- FEMA National Risk Index (Lee County)
- U.S. Census Bureau, American Community Survey (home values, year built, tenure)