Home Insurance in St. Pete Beach, Florida
Homes in St. Pete Beach carry a median value of $675,700 - 90% higher 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 St. Pete Beach was built around 1971. About 33% of homes were built before 1960, about 13 points above Pinellas County's 20%.
Housing in St. Pete Beach breaks down to 43% single-family homes and 48% apartments in buildings with 5+ units.
About 42% of owner-occupied homes in St. Pete Beach have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
St. Pete Beach has an owner-occupancy rate of 75% and a vacancy rate of 40%; unoccupied homes typically need a different coverage form.
Most homes in St. Pete Beach - 94% - 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 | $675,700 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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
- South Pasadena
- Gulfport
- Treasure Island
- Madeira Beach
- St. Petersburg
- Kenneth City
- Redington Beach
- North 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)