Home Insurance in Kenneth City, Florida
Homes in Kenneth City carry a median value of $241,200 - 32% lower 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 Kenneth City was built around 1964. About 34% of homes were built before 1960, about 14 points above Pinellas County's 20%.
The housing stock in Kenneth City is 61% single-family homes, 37% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Kenneth City, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 81% of occupied homes in Kenneth City are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
91% of homes in Kenneth City are primarily heated with electricity.
What's the biggest home insurance risk near Kenneth City? FEMA's National Risk Index points to coastal flooding (Very High) in Pinellas County and 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 | $241,200 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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
- Pinellas Park
- South Pasadena
- Seminole
- Gulfport
- Treasure Island
- Madeira Beach
- St. Petersburg
- Redington 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)