Home Insurance in Redington Beach, Florida
Homes in Redington Beach carry a median value of $842,200 - 137% higher than the Pinellas County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Redington Beach was built around 1959. About 55% of homes were built before 1960, about 34 points above Pinellas County's 20%.
Housing in Redington Beach breaks down to 76% single-family homes and 24% apartments in buildings with 5+ units.
In Redington Beach, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Redington Beach has an owner-occupancy rate of 93% and a vacancy rate of 40%; unoccupied homes typically need a different coverage form.
98% of homes in Redington Beach are primarily heated with electricity.
What's the biggest home insurance risk near 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.
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 | $842,200 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 93% |
| 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
- North Redington Beach
- Madeira Beach
- Redington Shores
- Seminole
- Indian Shores
- Treasure Island
- South Pasadena
- 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)