Home Insurance in Branford, Florida
Homes in Branford carry a median value of $157,100 - 8% lower than the Suwannee County median.
The typical home in Branford was built around 1979. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 28% of homes were built before 1960, about 18 points above Suwannee County's 11%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Branford is 66% single-family homes, 13% apartments in buildings with 5+ units and 17% mobile or manufactured homes.
61% of owner-occupied homes in Branford carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Branford has an owner-occupancy rate of 50% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
In Branford, 89% of homes are primarily heated with electricity.
Suwannee County's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. Suwannee County had 453 active NFIP flood policies as of September 2026. See the full Suwannee 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 | $157,100 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Suwannee County | 453 |
| 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)