Home Insurance in Belleair Beach, Florida
Homes in Belleair Beach carry a median value of $1,015,100 - 186% higher than the Pinellas County median.
The typical home in Belleair Beach was built around 1976. About 18% of homes were built before 1960, about 2 points below Pinellas County's 20%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Belleair Beach is 71% single-family homes and 27% apartments in buildings with 5+ units.
In Belleair Beach, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 95% of occupied homes in Belleair Beach are owner-occupied. The vacancy rate is 41%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Belleair Beach, 91% of homes are primarily heated with electricity.
FEMA rates Pinellas County's overall risk as Relatively High, led by coastal flooding (Very High). Pinellas County had 128,791 active NFIP flood policies as of September 2026. See the full Pinellas County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Florida carries a statewide average premium of $2,779 per year.
Key figures
| Median home value | $1,015,100 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Coastal Flooding (Very High) |
| Active NFIP policies in Pinellas County | 128,791 |
| 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)