Homeowners Insurance in New Port Richey, FL

For a home at New Port Richey's median value of $183,100, we estimate about $1,575 a year — −43% versus the Florida NAIC average of $2,779.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in New Port Richey

Est. premium

$1,575

$131/mo · median home

Median home value

$183,100

Florida: $359,000

Median year built

1980

Census ACS

Owner-occupied

56.9%

of households

Hazard score

72.6

state ref. 77.2

New Port Richey's estimate reflects its home values (49% lower than the state median) and FEMA's hazard profile for Pasco County.

Natural hazard risk in New Port Richey

FEMA National Risk Index — Pasco County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Very Low	30.1	Comprehensive (car); roof claims (home)
Tornado	Relatively High	98.4	Comprehensive; dwelling
Hurricane	Very High	98.1	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	95.4	Comprehensive; home needs a separate flood policy
Coastal flooding	Relatively High	90.8	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Moderate	75.7	Comprehensive; dwelling
Winter weather	Not rated	0.0	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Moderate	95.4	Comprehensive; dwelling
Earthquake	Very Low	45.2	Home needs a separate earthquake policy
Lightning	Very High	97.1	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 New Port Richey

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,690	$1,555
$300,000	$2,340	$2,155
$500,000	$3,520	$3,240
$750,000	$4,870	$4,480

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in New Port Richey

ZIP	Median home value	Owner-occupied	Est. premium
34653	$203,200	65.4%	$1,715
34652	$222,600	63.6%	$1,845

Homeowners insurance in Florida · Car insurance in New Port Richey · Insurance offices near New Port Richey

Frequently asked questions

How much is homeowners insurance in New Port Richey?

For a home at New Port Richey's median value of $183,100, we estimate about $1,575 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 New Port Richey?

FEMA's National Risk Index rates Pasco County relatively high or very high for tornado, hurricane, inland (river) flooding, coastal flooding, and lightning.

Does the age of homes in New Port Richey affect insurance?

Yes. The median home in New Port Richey was built in 1980 (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 Pasco County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page