Home Insurance in Raiford, Florida
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Raiford was built around 1974. About 38% of homes were built before 1960, about 27 points above Union County's 11%.
In Raiford, the housing stock is 51% single-family homes and 49% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
22% of owner-occupied homes in Raiford carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Raiford has an owner-occupancy rate of 62% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Raiford - 100% - are primarily heated with electricity.
What's the biggest home insurance risk near Raiford? FEMA's National Risk Index points to hurricane (Relatively Low) in Union County and Union County had 67 active NFIP flood policies as of September 2026. See the full Union County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Florida is $2,779 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median year built | 1974 |
|---|---|
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 22% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Union County | 67 |
| 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)