Home Insurance in Pinellas County, Florida
The median home value in Pinellas County is $355,100, close to the Florida median.
The typical home in Pinellas County was built around 1977. About 20% of homes were built before 1960, about 10 points above Florida's 10%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Pinellas County is 54% single-family homes, 30% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Pinellas County, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Pinellas County are owner-occupied.
Most homes in Pinellas County - 92% - are primarily heated with electricity.
Per FEMA's National Risk Index, Pinellas County's top hazards are coastal flooding (Very High), tornado (Very High) and hurricane (Very High).
Pinellas County had 128,791 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $355,100 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Coastal Flooding (Very High), Tornado (Very High), Hurricane (Very High) |
| Active NFIP flood policies (county) | 128,791 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Towns and cities
- Belleair
- Belleair Beach
- Belleair Bluffs
- Belleair Shore
- Clearwater
- Dunedin
- Gulfport
- Indian Rocks Beach
- Indian Shores
- Kenneth City
- Largo
- Madeira Beach
- North Redington Beach
- Oldsmar
- Pinellas Park
- Redington Beach
- Redington Shores
- Safety Harbor
- Seminole
- South Pasadena
- St. Pete Beach
- St. Petersburg
- Tarpon Springs
- Treasure Island
Sources
- 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)