Home Insurance in Levy County, Florida
The median home value in Levy County is $190,600, 47% lower than the Florida median.
The typical home in Levy County was built around 1993. About 7% of homes were built before 1960, about 4 points below Florida's 10%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Levy County is 51% single-family homes, 3% apartments in buildings with 5+ units and 43% mobile or manufactured homes.
In Levy County, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Levy County has an owner-occupancy rate of 81% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
92% of homes in Levy County are primarily heated with electricity.
The top hazards for Levy County, per FEMA's National Risk Index, are hurricane (Relatively Moderate), wildfire (Relatively Low) and coastal flooding (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Levy County has 909 active NFIP flood policies on file.
In Florida, the statewide average premium for a standard HO-3 homeowners policy is $2,779 per year (NAIC, 2023 data).
Key figures
| Median home value | $190,600 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Wildfire (Relatively Low), Coastal Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 909 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)