Home Insurance in Belleair, Florida
Homes in Belleair carry a median value of $633,300 - 78% higher than the Pinellas County median.
The typical home in Belleair was built around 1974. About 29% of homes were built before 1960, about 9 points above Pinellas County's 20%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Belleair breaks down to 65% single-family homes, 31% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Belleair, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Belleair has an owner-occupancy rate of 91% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Belleair, 94% of homes 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.
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 | $633,300 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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 Bluffs
- Belleair Beach
- Belleair Shore
- Largo
- Indian Rocks Beach
- Clearwater
- Indian Shores
- Seminole
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)