Home Insurance in Bristol, Florida
With a median home value of $118,600, Bristol is 7% lower than the Liberty County median.
The typical home in Bristol was built around 1977. About 28% of homes were built before 1960, about 17 points above Liberty County's 11%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Bristol is 79% single-family homes and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 33% of owner-occupied homes in Bristol have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bristol has an owner-occupancy rate of 82% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Bristol - 96% - are primarily heated with electricity.
What's the biggest home insurance risk near Bristol? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Liberty County and Liberty County had 13 active NFIP flood policies as of September 2026. See the full Liberty County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Florida carries a statewide average premium of $2,779 per year.
Key figures
| Median home value | $118,600 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Liberty County | 13 |
| 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)