Home Insurance in Bradenton, Florida
With a median home value of $309,400, Bradenton is 21% lower than the Manatee County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bradenton was built around 1983. About 16% of homes were built before 1960, about 8 points above Manatee County's 8%.
The housing stock in Bradenton is 50% single-family homes, 37% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Bradenton, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bradenton has an owner-occupancy rate of 56% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Bradenton - 91% - 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.
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 | $309,400 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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
- Palmetto
- Longboat Key
- Bradenton Beach
- Holmes Beach
- Anna Maria
- Sarasota
- St. Pete Beach
- St. Petersburg
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)