Home Insurance in Indian Shores, Florida
Homes in Indian Shores carry a median value of $698,800 - 97% higher than the Pinellas County median.
The typical home in Indian Shores was built around 1981. About 6% of homes were built before 1960, about 14 points below Pinellas County's 20%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Indian Shores, the housing stock is 10% single-family homes, 83% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 41% of owner-occupied homes in Indian Shores have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 86% of occupied homes in Indian Shores are owner-occupied. The vacancy rate is 76%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
95% of homes in Indian Shores 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.
The statewide average premium for a standard HO-3 homeowners policy in Florida is $2,779 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $698,800 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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
- Redington Shores
- North Redington Beach
- Indian Rocks Beach
- Redington Beach
- Seminole
- Belleair Shore
- Belleair Bluffs
- Madeira Beach
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)