Flood insurance cost in Pinellas County, Florida
In Pinellas County, Florida, the lowest private flood insurance quote ran $3,348 a year and the typical private quote ran $5,547. The NFIP quote ran $3,558.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 33% above the NFIP quote, and private was the cheaper option for 40% of those 87 properties. The typical private quote came in 85% above NFIP.
Median annual premiums from 1,055 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Zone X, B and C (moderate to low risk) | $521 | $744 | $840 | 361 |
| Zone A, AE, AH and AO (high risk) | $5,765 | $9,483 | $4,471 | 685 |
| Residential properties | $3,368 | $5,524 | $3,495 | 1,049 |
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in Pinellas County, Florida?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Pinellas County, Florida was $5,547 a year and the lowest private quote a property received was $3,348. NFIP quotes ran $3,558. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Is private flood insurance cheaper than NFIP in Pinellas County, Florida?
- Where a property was quoted both ways, the lowest private quote came in a median 33% above the NFIP quote, and private was the cheaper option for 40% of those 87 properties. The typical private quote came in 85% above NFIP.
- How much does the flood zone change the price in Pinellas County, Florida?
- Properties in high-risk A zones were quoted a typical $9,483 a year for private flood insurance, against $744 in moderate to low risk X zones. The lowest quotes ran $5,765 and $521.
- Where do these numbers come from?
- From 1,055 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in Florida
- Flood insurance in Florida: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.