Homeowners Insurance in Orlando, FL

For a home at Orlando's median value of $394,100, we estimate about $2,985 a year — +7% 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 Orlando

Est. premium

$2,985

$249/mo · median home

Median home value

$394,100

Florida: $359,000

Median year built

1992

Census ACS

Owner-occupied

39.5%

of households

Hazard score

76.6

state ref. 77.2

Orlando's estimate reflects its home values (10% higher than the state median) and FEMA's hazard profile for Orange County.

Natural hazard risk in Orlando

FEMA National Risk Index — Orange County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively High	98.2	Comprehensive (car); roof claims (home)
Tornado	Very High	99.1	Comprehensive; dwelling
Hurricane	Relatively High	98.0	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	98.4	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	0.0	Comprehensive; home needs a separate flood policy
Strong wind	Very High	99.9	Comprehensive; dwelling
Winter weather	Not rated	0.0	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Moderate	97.4	Comprehensive; dwelling
Earthquake	Relatively Low	75.4	Home needs a separate earthquake policy
Lightning	Very High	99.5	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 Orlando

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,735	$1,595
$300,000	$2,400	$2,205
$500,000	$3,610	$3,320
$750,000	$4,990	$4,590

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance by ZIP code in Orlando

ZIP	Median home value	Owner-occupied	Est. premium
32822	$255,000	42.0%	$2,105
32808	$239,200	42.0%	$2,000
32811	$218,900	30.1%	$1,865
32832	$497,200	68.3%	$3,595
32812	$375,200	60.5%	$2,870
32806	$441,300	69.5%	$3,265
32803	$455,600	53.1%	$3,350
32804	$561,000	65.0%	$3,955
32827	$662,200	61.3%	$4,520
32805	$238,800	43.2%	$2,000
32801	$428,000	27.4%	$3,185
32814	$754,300	36.1%	$5,015

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

Frequently asked questions

How much is homeowners insurance in Orlando?

For a home at Orlando's median value of $394,100, we estimate about $2,985 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 Orlando?

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

Does the age of homes in Orlando affect insurance?

Yes. The median home in Orlando was built in 1992 (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 Orange County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page