Home Insurance in Williston, Florida
Homes in Williston carry a median value of $252,700 - 33% higher than the Levy County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Williston was built around 1989. About 10% of homes were built before 1960, about 3 points above Levy County's 7%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Williston is 72% single-family homes, 11% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
About 53% of owner-occupied homes in Williston have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Williston has an owner-occupancy rate of 72% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Williston - 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 | $252,700 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)