Home Insurance in Reddick, Florida
Homes in Reddick carry a median value of $126,400 - 48% lower than the Marion County median.
The typical home in Reddick was built around 1983. About 20% of homes were built before 1960, about 15 points above Marion County's 5%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Reddick, the housing stock is 74% single-family homes and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 28% of owner-occupied homes in Reddick have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Reddick has an owner-occupancy rate of 58% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
In Reddick, 91% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Reddick? FEMA's National Risk Index points to hurricane (Relatively High) in Marion County and Marion County had 3,673 active NFIP flood policies as of September 2026. See the full Marion 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 | $126,400 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Marion County | 3,673 |
| 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)