Home Insurance in Starke, Florida
With a median home value of $214,300, Starke is close to the Bradford County median.
The typical home in Starke was built around 1978. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 25% of homes were built before 1960, about 12 points above Bradford County's 13%.
The housing stock in Starke is 65% single-family homes, 23% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Starke, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Starke has an owner-occupancy rate of 56% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
94% of homes in Starke 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.
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 | $214,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)