Home insurance in Temple Terrace, Florida
Temple Terrace is in Hillsborough County, with about 27,588 residents (Census 2024 estimate). On the Hillsborough River northeast of Tampa, with many 1920s-1970s homes. For insurance, that means river or lake flooding in low-lying parts of the city, with roof age and wind mitigation driving most quotes.
County Hillsborough CountyPopulation (2024 est.) 27,588Florida rank #100Water exposure river/lake
Do I need flood insurance in Temple Terrace?
FEMA A zones in Temple Terrace are mostly along rivers, lakes and drainage areas, with X zones elsewhere. A homeowners policy excludes flood; check your address at the FEMA Flood Map Service Center.
Do building codes affect insurance in Temple Terrace?
Parts of the county, especially areas near the coast, fall in the Florida Building Code's wind-borne debris region, where new construction needs impact-rated openings or shutters. Your building department can confirm whether a given address is inside it.
Homes built or re-roofed after the statewide Florida Building Code took effect in 2002 tend to document better on a wind mitigation report; older homes may need a 4-point inspection.
How big is Temple Terrace?
Temple Terrace ranks #100 among Florida cities by population in the Census Bureau's Vintage 2024 estimates, at 27,588 residents, up about 3.2% from the April 2020 estimates base of 26,721.
Shopping for home insurance in Temple Terrace? Your request goes only to Nymble Insurance, a licensed Florida agency. We quote every applicant and compare options on matching coverage.
Start a private quote Call (813) 291-3484Why do Temple Terrace home insurance quotes vary?
On the Hillsborough River northeast of Tampa, with many 1920s-1970s homes.
Carriers look at the specific address: flood zone, construction type, year built and roof permit history.
Has Temple Terrace been hit by hurricanes?
At the county level: Helene (2024) set record water levels around Tampa Bay and flooded Davis Islands and South Tampa; Milton (2024) followed two weeks later; the 1921 Tampa Bay hurricane was the last major direct hit.
Homes near the water should treat flood as a separate decision from wind.
Frequently asked questions
Is FMAP.insure affiliated with FMAP or the City of Temple Terrace?
No. FMAP.insure is run by Nymble Insurance LLC, a licensed Florida agency. It is not FMAP, Citizens, or any government. The official FMAP is at fmap.org.
Who will see my information if I request a quote for my Temple Terrace home here?
Only Nymble Insurance. We do not sell your request or pass it to other agencies. Carriers we quote with receive the details needed to quote.
Can you quote a Temple Terrace home that is with Citizens?
Yes. We quote every applicant, including Citizens policyholders and homeowners with takeout offers, and compare options on matching coverage.
Back to Hillsborough County home insurance · Nearby: Tampa, Plant City