Home Insurance in Treasure Island, Florida
The median home value in Treasure Island is $621,600, 75% higher than the Pinellas County median.
The typical home in Treasure Island was built around 1970. About 27% of homes were built before 1960, about 7 points above Pinellas County's 20%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Treasure Island is 44% single-family homes, 43% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Treasure Island, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 74% of occupied homes in Treasure Island are owner-occupied. The vacancy rate is 38%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Treasure Island, 95% of homes 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 | $621,600 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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
- Madeira Beach
- St. Pete Beach
- Gulfport
- Redington Beach
- Kenneth City
- North Redington Beach
- Seminole
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)