Home Insurance in Bradenton Beach, Florida
Homes in Bradenton Beach carry a median value of $489,000 - 25% higher than the Manatee County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bradenton Beach was built around 1975. About 22% of homes were built before 1960, about 14 points above Manatee County's 8%.
The housing stock in Bradenton Beach is 25% single-family homes, 37% apartments in buildings with 5+ units and 13% 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.
In Bradenton Beach, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 75%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in Bradenton Beach are owner-occupied.
88% of homes in Bradenton Beach are primarily heated with electricity.
FEMA rates Manatee County's overall risk as Relatively High, led by hurricane (Very High). Manatee County had 36,816 active NFIP flood policies as of September 2026. See the full Manatee County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $489,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Manatee County | 36,816 |
| 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)