Home Insurance in Lawtey, Florida
Homes in Lawtey carry a median value of $167,500 - 21% lower than the Bradford County median.
The typical home in Lawtey was built around 1985. About 19% of homes were built before 1960, about 6 points above Bradford County's 13%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Lawtey, the housing stock is 50% single-family homes, 1% apartments in buildings with 5+ units and 45% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
51% of owner-occupied homes in Lawtey carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lawtey has an owner-occupancy rate of 75% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
98% of homes in Lawtey are primarily heated with electricity.
Bradford County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Florida carries a statewide average premium of $2,779 per year.
Key figures
| Median home value | $167,500 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)