Updated November 3, 2026 · Local data: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates
Pinellas Park at a glance
Local notes: Pinellas Park
A central, value-oriented city between St. Petersburg and Largo, with 1960s–70s block homes, manufactured-home parks and easy access to I-275 and US-19.
Housing stock in Pinellas Park
Pinellas Park has about 25,640 housing units. 59% are single-family homes and 14% are in buildings with 10 or more units, and 15% are mobile or manufactured homes. 57% of homes were built before 1980 and 16% were built in 2000 or later. The median resident is 44.5 years old.
15% are mobile or manufactured homes, which need specialized insurance carriers and inspectors familiar with tie-down requirements.
What drives insurance prices in Pinellas Park
- Home age. The median build year here is 1978. 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. Ask for a separate flood quote, even outside high-risk zones.
Pinellas Park vs. similar communities
| Community | Median value | Median year built |
|---|---|---|
| Pinellas Park | $278,900 | 1978 |
| Kenneth City | $241,200 | 1964 |
| Largo | $229,100 | 1978 |
| Bardmoor | $334,700 | 1976 |
| Tarpon Springs | $340,700 | 1984 |
| Seminole | $348,500 | 1979 |
What happens after you ask
We read your request, then introduce you to a single licensed insurance agent who works in Pinellas Park. They reach out directly, typically the same business day. You decide whether to work with them, and there's no cost or commitment from you.
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 Pinellas Park?
Likely, for older homes. The median home here was built in 1978, and many carriers require a 4-point once a home is roughly 25–40 years old, depending on the carrier.