Updated November 3, 2026 · Local data: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates
Gulfport at a glance
Local notes: Gulfport
A waterfront arts town on Boca Ciega Bay with historic cottages, a walkable waterfront district and some of the oldest housing in Pinellas.
Some of Gulfport's older homes sit in or near historic districts, where exterior changes may need extra review. Factor that into renovation and roof-replacement plans.
For waterfront property, add a seawall and dock evaluation to your inspections, and get a flood insurance quote early.
Housing stock in Gulfport
Gulfport has about 7,952 housing units. 64% are single-family homes and 25% are in buildings with 10 or more units, and 3% are mobile or manufactured homes. 80% of homes were built before 1980 and 7% were built in 2000 or later. The median resident is 58.8 years old. About 15% of all housing units are held for seasonal, recreational or occasional use, one of the highest shares in Pinellas. Expect second-home owners, snowbirds and vacation-rental investors in the buyer pool.
With 80% of homes built before 1980, insurer questions about roofs, wiring (including older panels) and galvanized or cast-iron plumbing are routine.
What drives insurance prices in Gulfport
- Home age. The median build year here is 1963. That predates the 2002 Florida Building Code, so expect underwriters to ask about roof age, wiring and plumbing.
- Roof age and shape. This is often the single biggest factor in Florida. Hip roofs and newer roofs rate better.
- Wind mitigation features. Roof straps, impact openings and secondary water barriers earn credits that insurers must offer by Florida law.
- Flood. Standard homeowners policies exclude flood. Coastal and low-lying parts of Gulfport make a separate flood quote essential.
Gulfport vs. similar communities
| Community | Median value | Median year built |
|---|---|---|
| Gulfport | $366,200 | 1963 |
| St. Petersburg | $371,100 | 1969 |
| Clearwater | $361,300 | 1978 |
| Oldsmar | $380,300 | 1988 |
| South Pasadena | $350,200 | 1978 |
| Seminole | $348,500 | 1979 |
Getting matched in Gulfport
Fill in the short form. We pass your request to one licensed insurance agent covering Gulfport, not a shared list. Expect a call or text, usually within the business day. If the fit isn't right, ask us for someone else.
Frequently asked questions
Does homeowners insurance cover flooding in Florida?
No. Flood is a separate policy, through the NFIP or a private flood carrier.
Will I need a 4-point inspection in Gulfport?
Likely, for older homes. The median home here was built in 1963, and many carriers require a 4-point once a home is roughly 25–40 years old, depending on the carrier.