Home Insurance in Chiefland, Florida
With a median home value of $167,700, Chiefland is 12% lower than the Levy County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Chiefland was built around 1975. About 25% of homes were built before 1960, about 18 points above Levy County's 7%.
The housing stock in Chiefland is 49% single-family homes, 16% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 44% of owner-occupied homes in Chiefland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 39% of occupied homes in Chiefland are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Chiefland - 96% - are primarily heated with electricity.
What's the biggest home insurance risk near Chiefland? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Levy County and Levy County had 909 active NFIP flood policies as of September 2026. See the full Levy 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 | $167,700 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 39% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Levy County | 909 |
| 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)