Flood Insurance in Bradford County, Florida

Learn how to find affordable flood insurance in Bradford County.

Find affordable flood insurance in Bradford County, Florida

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 exposes residents to floods. 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.

Average NFIP Flood insurance premiums by Florida county

Bradford County Broward County DeSoto County Flagler County
$654 $470 $547 $501

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.

Bradford County flood insurance costs

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 vs. NFIP average flood insurance premiums

Kin average premium for Florida NFIP average premium for Florida Kin average premium for Bradford County NFIP average premium for Bradford County
$225 $563 $126 $654

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!

Bradford County flood zones

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:

  • Flood zone A
  • Flood zone AE

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.

What Bradford county flood insurance covers

If you have flood insurance, you'll protect yourself from the most common natural disaster in the United States. Florida flood insurance  can cover damage to:

  • Cabinets and paneling
  • Personal property
  • Appliances
  • Carpets and window treatments
  • Electrical, cooling, heating, and plumbing systems

—and more!

Flood insurance usually doesn’t cover:

  • Boathouses
  • Fences or retaining walls
  • Pools or pool equipment
  • Landscaping

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.

How to reduce your home’s flood risk

Flood risks are increasing everywhere because of climate change, but you can proactively manage your risk with these flood management tips:

  • Figure out your floodplain and risk of flooding.
  • Move water-sensitive belongings above the base flood elevation (how high water is projected to rise during a flood).
  • Update your valves to keep water flowing outward.
  • Keep up on property repairs.
  • Ask your county how they can improve flood mitigation (e.g., by installing a storm drain).
  • Know what types of water damage your homeowners insurance will cover.

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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