Home insurance in Orlando, Florida
Orlando is in Orange County and is the county seat, with about 334,854 residents (Census 2024 estimate). Inland and dotted with lakes, with historic 1920s-1950s neighborhoods like College Park and Thornton Park near downtown. 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 Orange CountyPopulation (2024 est.) 334,854Florida rank #4Water exposure river/lake
Has Orlando been hit by hurricanes?
At the county level: Charley (2004) crossed downtown Orlando; Ian (2022) caused record rainfall flooding in east Orange County.
Homes near the water should treat flood as a separate decision from wind.
Do building codes affect insurance in Orlando?
Being inland, most of the county is generally outside the Florida Building Code's coastal wind-borne debris region, but design wind speeds still apply and opening protection still earns wind mitigation credit.
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 Orlando?
Orlando ranks #4 among Florida cities by population in the Census Bureau's Vintage 2024 estimates, at 334,854 residents, up about 8.8% from the April 2020 estimates base of 307,785.
Shopping for home insurance in Orlando? 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) 291-3484What flood zones are in Orlando?
FEMA A zones in Orlando 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.
Why do Orlando home insurance quotes vary?
Inland and dotted with lakes, with historic 1920s-1950s neighborhoods like College Park and Thornton Park near downtown.
Two homes a mile apart here can price very differently because of elevation, construction year and roof documentation.
Frequently asked questions
Is FMAP.insure affiliated with FMAP or the City of Orlando?
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 Orlando 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 Orlando 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 Orange County home insurance · Nearby: Apopka, Ocoee, Winter Garden, Winter Park