Home Insurance in Redington Shores, Florida
The median home value in Redington Shores is $770,600, 117% 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 Shores was built around 1976. About 19% of homes were built before 1960, in line with Pinellas County (20%).
In Redington Shores, the housing stock is 33% single-family homes and 55% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 40% of owner-occupied homes in Redington Shores have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Redington Shores has an owner-occupancy rate of 84% and a vacancy rate of 48%; unoccupied homes typically need a different coverage form.
94% of homes in Redington Shores 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.
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 | $770,600 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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
- Indian Shores
- Redington Beach
- Seminole
- Madeira Beach
- Indian Rocks Beach
- Belleair Shore
- Treasure Island
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)