Homeowners insurance cost in Orange County, Florida
A transparent county budgeting benchmark—not a carrier quote—with a deliberately wide range.
Estimated annual insurance budget
For a $390,100 home (the county median):
$5,250/yr (budgeting range $3,150–$7,350)
Low confidence State NAIC baseline scaled by replacement cost and county hazard risk.
What drives this estimate
- NAIC HO-3 state average
- $2,677/yr
- FEMA county risk percentile
- 98.44 (Relatively High)
- Illustrative PITI
- $2,657/mo
The NAIC figure is a historical statewide average, scaled for the county median home value. FEMA's National Risk Index supplies a relative county hazard signal; it is not an insurer's underwriting model and does not include property-specific construction, deductible, credit, claims history, flood coverage, or current market repricing.
Local cost context
Orange County is ranked 24 from highest to lowest effective property-tax rate among 67 published Florida counties.
Its 0.76% effective tax rate is 0.06 percentage points above the state published-county average of 0.7%.
The county median home value of $390,100 is $114,100 above the Florida county median of $276,000.
FEMA risk percentile: 98.44 (Relatively High). This is relative risk context, not an underwriting score.
Similar-rate counties
- St. Johns County: 0.76% property-tax rate and $489,200 median home value
- Lake County: 0.76% property-tax rate and $318,400 median home value
- Osceola County: 0.76% property-tax rate and $353,300 median home value
Common questions about Orange County insurance costs
- How much is homeowners insurance in Orange County, Florida?
- A planning estimate is $5,250 per year for the county median home value of $390,100. The budgeting range is $3,150 to $7,350 because carrier quotes depend on property-specific underwriting.
- Why can the real quote be different from this Orange County estimate?
- The model uses public county and state data, while a carrier uses roof age, construction, deductible, coverage limits, credit, claims history, distance to hazards, and current market pricing. Treat the number as an escrow planning benchmark, not an insurance quote.
- What is the combined monthly carrying-cost estimate in Orange County?
- With the page assumptions, monthly PITI is about $2,657. That includes principal and interest, $2,967/yr in estimated property tax, and $5,250/yr in modeled homeowners insurance.
Estimate insurance and total monthly cost
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Sources, freshness & method
Confidence: Low. Insurance varies materially by home and carrier, so this page uses a ±40% budgeting band rather than false precision.
NAIC baseline as of 2022-12-31; FEMA version 1.20 as of 2025-12-01; data version 2024.1.
Sources: NAIC Homeowners Insurance Report; FEMA National Risk Index. TrueCarry's analysis is not endorsed by FEMA.
Read the insurance and PITI methodology
Insurance disclaimer: Estimate for budgeting only — not an insurance quote and not a binding price. Verify with the county assessor and a licensed professional before making financial decisions.