Home Insurance in Bell, Florida
The median home value in Bell is $171,800, 14% lower than the Gilchrist County median.
The typical home in Bell was built around 1990. About 6% of homes were built before 1960, about 2 points above Gilchrist County's 4%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Bell is 40% single-family homes and 57% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Bell, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Bell are owner-occupied.
In Bell, 96% of homes are primarily heated with electricity.
Gilchrist County had 182 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Gilchrist 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 | $171,800 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Gilchrist County | 182 |
| 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)