Home insurance in Kissimmee, Florida
Kissimmee is in Osceola County and is the county seat, with about 84,756 residents (Census 2024 estimate). On the north shore of Lake Tohopekaliga; Charley (2004) and Ian (2022) caused major damage. 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 Osceola CountyPopulation (2024 est.) 84,756Florida rank #34Water exposure river/lake
Has Kissimmee been hit by hurricanes?
At the county level: Charley (2004) caused major damage in Kissimmee; Ian (2022) and Milton (2024) brought flooding.
Homes near the water should treat flood as a separate decision from wind.
Do building codes affect insurance in Kissimmee?
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 Kissimmee?
Kissimmee ranks #34 among Florida cities by population in the Census Bureau's Vintage 2024 estimates, at 84,756 residents, up about 7.0% from the April 2020 estimates base of 79,191.
Shopping for home insurance in Kissimmee? 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 makes insuring a home in Kissimmee different?
On the north shore of Lake Tohopekaliga; Charley (2004) and Ian (2022) caused major damage.
Carriers look at the specific address: flood zone, construction type, year built and roof permit history.
What flood zones are in Kissimmee?
FEMA A zones in Kissimmee 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.
Frequently asked questions
Is FMAP.insure affiliated with FMAP or the City of Kissimmee?
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 Kissimmee 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 Kissimmee 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 Osceola County home insurance · Nearby: St. Cloud