Learn how to find affordable flood insurance in Bradford County.
Bradford County, a rural community in Northeast Florida, is rich with parks, lakes, and wildlife. While its proximity to water makes Bradford county a desirable place to live, it also comes with flood risk. That’s why flood insurance is a necessity for many homeowners here.
According to data from the National Flood Insurance Program, Bradford County flood insurance rates are higher than other counties, in large part because it has flood zones A and AE. Both A and AE flood zones are high risk for flooding.
You can see how Bradford County NFIP rates compare to other Florida counties.
|Bradford County||Broward County||DeSoto County||Flagler County|
While the NFIP remains a go-to option for many Floridians, you could save more on flood insurance in Bradford County with a private market insurer like Kin.
Our flood insurance costs are lower than the NFIP for 71 percent of Florida. Plus, you don’t have to buy your coverage as a separate policy – we can simply add it on to your homeowners insurance.
You can see how our rates compare to the NFIP in the chart below. On average, our flood coverage costs $126 a year for Bradford County, a staggering 418 percent cheaper than the NFIP’s $653.
|Kin Average Premium for Florida||NFIP Average Premium for Florida||Kin Average Premium for Bradford County||NFIP Average Premium for Bradford County|
Your rates may vary depending on your home’s exact location. That’s because your flood zone determines both your risk and your insurance rates. Contact us to get a quote!
Take a look at FEMA’s flood hazards areas map for Bradford County. You’ll notice many regions are highlighted in red. This indicates high-risk flood zones like:
Only a minor portion of Bradford County contains areas that are at a low to moderate risk of experiencing flooding.
If you’re in a high-risk flood zone and have a federally backed mortgage, you’re required to have flood insurance. Even if you’re not in a risky region, it’s a wise purchase because homeowners insurance doesn’t cover flood damage from storm surges or rising waters.
Flood insurance usually doesn’t cover:
Be sure to keep your personal belongings at ground level or higher. Flood insurance doesn’t cover property you keep in basements or crawl spaces.
Homeowners insurance can cover water damage from a burst pipe or leaky appliance. It does not cover water damage from water that originates outside the home. Only flood insurance can do that.
You can assess your home’s risk for flooding by:
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