Home Insurance in Belleair Shore, Florida
Homes in Belleair Shore carry a median value of $2,000,000+.
The typical home in Belleair Shore was built around 1994. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 18% of homes were built before 1960, about 2 points below Pinellas County's 20%.
In Belleair Shore, the housing stock is 100% single-family homes.
In Belleair Shore, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 45%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Belleair Shore are owner-occupied.
89% of homes in Belleair Shore are primarily heated with electricity.
Pinellas County had 128,791 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is coastal flooding (Very High). 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 | $2,000,000+ |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 100% |
| 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
- Belleair Beach
- Indian Rocks Beach
- Belleair Bluffs
- Belleair
- Largo
- Indian Shores
- Redington Shores
- Clearwater
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)