Home Insurance in Trenton, Florida
With a median home value of $183,500, Trenton is 8% lower than the Gilchrist County median.
The typical home in Trenton was built around 1984. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 14% of homes were built before 1960, about 11 points above Gilchrist County's 4%.
In Trenton, the housing stock is 52% single-family homes, 3% apartments in buildings with 5+ units and 37% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Trenton, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in Trenton are owner-occupied.
In Trenton, 94% of homes are primarily heated with electricity.
Gilchrist County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Gilchrist County had 182 active NFIP flood policies as of September 2026. 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 | $183,500 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)