Home Insurance in North Redington Beach, Florida
With a median home value of $988,700, North Redington Beach is 178% higher than the Pinellas County median.
The typical home in North Redington Beach was built around 1978. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 24% of homes were built before 1960, about 3 points above Pinellas County's 20%.
In North Redington Beach, the housing stock is 29% single-family homes, 70% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In North Redington Beach, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 62% of occupied homes in North Redington Beach are owner-occupied. The vacancy rate is 51%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In North Redington Beach, 92% of homes are primarily heated with electricity.
What's the biggest home insurance risk near North Redington Beach? 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 | $988,700 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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 Beach
- Redington Shores
- Madeira Beach
- Indian Shores
- Seminole
- Treasure Island
- Indian Rocks Beach
- Kenneth City
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)