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32083 Home Insurance Rates

Getting multiple homeowners insurance rates in 32083 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Raiford, FL. Many homeowners based out of the 32083 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our Florida licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 32083 should appear in the zip code field ready to go. For Raiford, FL Home Insurance Quotes, Click to easily get started!

32083 Homeowners Insurance Rates, Average Rating: Very High!

Your homeowners insurance policy in 32083 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Raiford. For a basic HO-3, standard homeowners policy, the average premium per year in Florida is around $2023. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 32083 zip code today and let us help you save time and money on your homeowners insurance premium.

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32083 Home Insurance Average Premiums

Local 32083 homeowners insurance quotes comparison

$1773 /yr.

Shows Zip Code: 32083 lowest rates with discounts applied on average.

For the 32083, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$1773 /yr.
Average Coverage:$2023 /yr.
2600 sq. ft. or higher
(all discounts applied)
$2323 /yr.

What is the average home insurance cost for a home in 32083?

  • • The average homeowners insurance premium paid annually for a home in 32083 is around $2023 per year.

What does it cost on average per month for home insurance in 32083?

  • • Homeowners in 32083 pay a monthly average cost per month around $169.00.

What kind of discount could I get if I combine my home and auto insurance together in 32083?

  • • Autoowners in 32083 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

You can easily shop and compare home insurance rates within Raiford, check out other zip codes nearby 32083.
To review average rates in another zip code, click on a zip code below:
32083  | 

Home Replacement Cost Coverage in 32083

Average Building Cost Per Square Foot in 32083: $167

Location: Raiford, Florida (Union County)

Average Square Footage in 32083: 674 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32083 before you start any project. Raiford homeowners pay on average around $167 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 32083 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 32083 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 674 sq. ft. and the average cost to rebuild the home in this area is around $167 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Raiford area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$167674$112,600
Additional Upgrades & Added Features$209674$140,750
Major Home Updates or Advancements$251674$168,900

It's important to understand that when you estimate your replacement cost of your home in the 32083 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 32083

Best Home & Auto Insurance Agencies in 32083

Housing Demographics for 32083

Population Review for 32083 Zip Code

For the city of Raiford, the population within 32083 has increased to over 1,433 residents in population size. The current population total is 2,626. We have broken down the population based on race below. In 32083, there are over 1960 in male population and 666 females.

PopulationValues
Total Population2,626
White Population1628
Black Population842
Hispanic Population172
Asian Population3
Hawaiian Population0
Indian Population0
Other Population82
Male Population1960
Female Population666
Population Estimate1433

Household Data for 32083

The average number of homes in 32083 is around 514, there are an average of 2.65 per household. The average house value according to local real estate values is around $112,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode514
Persons Per Household2.65
Average House Value$112,600
Income Per Household$55800
Median Age41.0
Median Age Male41.7
Median Age Female37.8
32083 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code386/904
CityRaiford
City Alias NameRAIFORD
CountyUnion
County FIPS125
State FIPS12
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses6
Number Of Employees23
Business First Quarter Payroll148
Business Annual Payroll626
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District03
Congressional LandArea7306.05
Delivery Residential541
Delivery Business13
Delivery Total3192
Preferred Last Line KeyY22775
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY22775
Land Area39.461000
Water Area0.197000
City Alias Code
City Mixed CaseRaiford
City Alias Mixed CaseRaiford
Box Count106
SFDU541
MFDU0
State ANSI12
County ANSI125
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number117860
Unique ZIP Name
SSA State County Code10620
Medicare CBSA Code99910
Medicare CBSA NameRural Areas in FL
Medicare CBSA TypeMicro
Market Rating Area ID63
County Mixed CaseUnion

Florida Homeowners Insurance News & Information

  • Homeowner’s Insurance Rates Spiking Over $3,000 a Year on Average Posted on Friday 19th September, 2025

    According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners.  According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]

  • Homeowner’s Insurance Premiums Skyrocket: Forcing Homeowners to Consider Moving Posted on Thursday 11th September, 2025

    While states like Florida, California and Louisiana have seen climbing insurance costs for years due to severe weather, flooding and hurricanes, other states, Colorado and Illinois are good examples, are seeing climbing rates as well due to hailstorms and wildfires.  As homeowner’s insurance premiums skyrocket, for some policyholders, the math no longer makes sense forcing […]

  • Homeowners in Florida Finally See Relief From Higher Insurance Costs Posted on Wednesday 27th August, 2025

    According to a recent Realtor.com article, homeowners in Florida, at least some of them, may finally seem some relief from higher homeowner insurance costs.  Florida Peninsula Insurance which is one of the largest private party property insurers recently announced that it is hoping to significantly lower premiums for roughly 170,000 policyholders.  Florida Peninsula has filed […]

  • Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

    Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]

  • Florida home insurance and hurricanes How to Prepare Before Hurricanes Threaten Florida Posted on Monday 19th May, 2025

    Hurricane season is quickly approaching and one of the most important things to do before a storm hits is to make sure your insurance coverage is up to date and your coverage levels are sufficient in the event your home is damaged by severe weather. Regardless of whether you own a home or are renting, […]

  • New Home Insurance Company Launches in Florida, Shows Signs of Improvement Posted on Tuesday 13th May, 2025

    According to Office of Insurance Regulation and leaders in the industry, Florida may finally be emerging from the insurance crisis that it has suffered through for the last decade. Insurance companies operating in the state are starting to stabilize rates and new insurance companies are entering the Florida market.  Recently, the Office of Insurance Regulation […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]