Home Insurance in Belleair Bluffs, Florida
With a median home value of $415,900, Belleair Bluffs is 17% higher than the Pinellas County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Belleair Bluffs was built around 1972. About 24% of homes were built before 1960, about 4 points above Pinellas County's 20%.
The housing stock in Belleair Bluffs is 32% single-family homes and 54% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 36% of owner-occupied homes in Belleair Bluffs have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Belleair Bluffs are owner-occupied.
Most homes in Belleair Bluffs - 93% - are primarily heated with electricity.
Pinellas County's top FEMA-rated hazard is coastal flooding (Very High), per FEMA's National Risk Index. 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.
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 | $415,900 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)