Home Insurance in Seminole, Florida
With a median home value of $348,500, Seminole is close to the Pinellas County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Seminole was built around 1979. About 9% of homes were built before 1960, about 11 points below Pinellas County's 20%.
The housing stock in Seminole is 47% single-family homes, 37% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 47% of owner-occupied homes in Seminole have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Seminole has an owner-occupancy rate of 73% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Seminole - 92% - are primarily heated with electricity.
Pinellas County had 128,791 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is coastal flooding (Very High). 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Florida carries a statewide average premium of $2,779 per year.
Key figures
| Median home value | $348,500 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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
- Redington Beach
- Redington Shores
- Madeira Beach
- Indian Shores
- Largo
- Kenneth City
- Pinellas Park
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)