Home Insurance in Hampton, Florida
The median home value in Hampton is $94,300, 56% lower than the Bradford County median.
The typical home in Hampton was built around 1984. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 33% of homes were built before 1960, about 20 points above Bradford County's 13%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hampton is 60% single-family homes and 40% mobile or manufactured homes.
About 39% of owner-occupied homes in Hampton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hampton has an owner-occupancy rate of 72% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Hampton - 85% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Bradford County's overall risk as Very Low, led by hurricane (Relatively Moderate). Bradford County had 458 active NFIP flood policies as of September 2026. See the full Bradford County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $94,300 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Bradford County | 458 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- 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)