Homeowners Insurance in Ocala, FL

For a home at Ocala's median value of $241,400, we estimate about $1,920 a year — −31% 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 Ocala

Est. premium

$1,920

$160/mo · median home

Median home value

$241,400

Florida: $359,000

Median year built

1984

Census ACS

Owner-occupied

52.1%

of households

Hazard score

68.6

state ref. 77.2

Ocala's estimate reflects its home values (33% lower than the state median) and FEMA's hazard profile for Marion County.

Natural hazard risk in Ocala

FEMA National Risk Index — Marion County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Very Low	20.0	Comprehensive (car); roof claims (home)
Tornado	Relatively High	97.3	Comprehensive; dwelling
Hurricane	Relatively High	97.8	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively Moderate	93.0	Comprehensive; home needs a separate flood policy
Coastal flooding	Very Low	24.6	Comprehensive; home needs a separate flood policy
Strong wind	Relatively High	93.3	Comprehensive; dwelling
Winter weather	Very Low	1.2	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Moderate	96.8	Comprehensive; dwelling
Earthquake	Relatively Low	63.1	Home needs a separate earthquake policy
Lightning	Very High	99.0	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 Ocala

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,650	$1,520
$300,000	$2,285	$2,100
$500,000	$3,435	$3,160
$750,000	$4,750	$4,370

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in Ocala

ZIP	Median home value	Owner-occupied	Est. premium
34471	$317,900	61.6%	$2,390
34470	$189,600	63.0%	$1,580
34474	$235,300	44.2%	$1,880
34475	$222,000	51.1%	$1,795

Homeowners insurance in Florida · Car insurance in Ocala · Insurance offices near Ocala

Frequently asked questions

How much is homeowners insurance in Ocala?

For a home at Ocala's median value of $241,400, we estimate about $1,920 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 Ocala?

FEMA's National Risk Index rates Marion County relatively high or very high for tornado, hurricane, strong wind, and lightning.

Does the age of homes in Ocala affect insurance?

Yes. The median home in Ocala was built in 1984 (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 Marion County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page