Home Insurance in Otter Creek, Florida
Homes in Otter Creek carry a median value of $30,800 - 84% lower than the Levy County median.
The typical home in Otter Creek was built around 1987. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 24% of homes were built before 1960, about 17 points above Levy County's 7%.
In Otter Creek, the housing stock is 36% single-family homes and 18% 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.
Almost no owner-occupied homes in Otter Creek carry a mortgage.
Otter Creek has an owner-occupancy rate of 35% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Otter Creek - 91% - are primarily heated with electricity.
Levy County had 909 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). 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 | $30,800 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 35% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)