Homeowners Insurance in Daytona Beach, FL
For a home at Daytona Beach's median value of $287,700, we estimate about $2,320 a year — −17% versus the Florida NAIC average of $2,779.
Estimated homeowners insurance cost in Daytona Beach
Daytona Beach's estimate reflects its home values (20% lower than the state median) and FEMA's hazard profile for Volusia County.
Natural hazard risk in Daytona Beach
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 39.2 | Comprehensive (car); roof claims (home) | |
| Tornado | 98.3 | Comprehensive; dwelling | |
| Hurricane | 98.5 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 95.2 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 85.0 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 87.8 | Comprehensive; dwelling | |
| Winter weather | 0.0 | Collision (icy roads); frozen pipes (home) | |
| Wildfire | 96.3 | Comprehensive; dwelling | |
| Earthquake | 68.5 | Home needs a separate earthquake policy | |
| Lightning | 99.3 | 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 Daytona Beach
| Dwelling value | Wood frame | Brick / masonry |
|---|---|---|
| $200,000 | $1,735 | $1,595 |
| $300,000 | $2,400 | $2,210 |
| $500,000 | $3,615 | $3,325 |
| $750,000 | $5,000 | $4,600 |
Home Insurance Estimator
Homeowners insurance by ZIP code in Daytona Beach
| ZIP | Median home value | Owner-occupied | Est. premium |
|---|---|---|---|
| 32114 | $199,500 | 31.5% | $1,730 |
| 32117 | $191,500 | 47.7% | $1,675 |
| 32119 | $236,200 | 63.4% | $1,985 |
| 32118 | $368,800 | 65.6% | $2,830 |
| 32124 | $508,000 | 94.2% | $3,660 |
Homeowners insurance in Florida · Car insurance in Daytona Beach · Insurance offices near Daytona Beach
Frequently asked questions
How much is homeowners insurance in Daytona Beach?
For a home at Daytona Beach's median value of $287,700, we estimate about $2,320 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 Daytona Beach?
FEMA's National Risk Index rates Volusia County relatively high or very high for tornado, hurricane, inland (river) flooding, coastal flooding, strong wind, and lightning.
Does the age of homes in Daytona Beach affect insurance?
Yes. The median home in Daytona Beach was built in 1981 (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 Volusia 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 (Volusia County)
- U.S. Census Bureau, American Community Survey (home values, year built, tenure)