Home Insurance in Bradford County, Florida
The median home value in Bradford County is $212,500, 41% lower than the Florida median.
The typical home in Bradford County was built around 1985. About 13% of homes were built before 1960, about 3 points above Florida's 10%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bradford County is 62% single-family homes, 6% apartments in buildings with 5+ units and 30% mobile or manufactured homes.
In Bradford County, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bradford County has an owner-occupancy rate of 73% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
95% of homes in Bradford County are primarily heated with electricity.
Per FEMA's National Risk Index, Bradford County's top hazards are hurricane (Relatively Moderate), wildfire (Relatively Low) and tornado (Relatively Low).
As of September 2026, Bradford County has 458 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Florida is $2,779 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $212,500 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Wildfire (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 458 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)