Updated November 3, 2026 · Local data: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates
Seminole at a glance
Local notes: Seminole
A family-oriented city around Lake Seminole and the Seminole City Center, with mostly 1970s single-family neighborhoods and close access to the Gulf beaches.
For waterfront property, add a seawall and dock evaluation to your inspections, and get a flood insurance quote early.
Housing stock in Seminole
Seminole has about 10,843 housing units. 47% are single-family homes and 31% are in buildings with 10 or more units, and 13% are mobile or manufactured homes. 54% of homes were built before 1980 and 18% were built in 2000 or later. The median resident is 55.3 years old. About 8% of housing units are seasonal or occasional-use homes, so part-time residents are a meaningful slice of the market.
13% are mobile or manufactured homes, which need specialized insurance carriers and inspectors familiar with tie-down requirements.
What drives insurance prices in Seminole
- Home age. The median build year here is 1979. 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.
Seminole vs. similar communities
| Community | Median value | Median year built |
|---|---|---|
| Seminole | $348,500 | 1979 |
| South Pasadena | $350,200 | 1978 |
| Tarpon Springs | $340,700 | 1984 |
| Clearwater | $361,300 | 1978 |
| Bardmoor | $334,700 | 1976 |
| Gulfport | $366,200 | 1963 |
How matching works
- Tell us what you need in Seminole. It takes about a minute.
- We match you with one licensed insurance agent who serves Seminole, so your number isn't sold to a list.
- They contact you, usually the same business day. No obligation.
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 Seminole?
Likely, for older homes. The median home here was built in 1979, and many carriers require a 4-point once a home is roughly 25–40 years old, depending on the carrier.