Updated November 4, 2026
Clearwater sits on the Gulf with a barrier-island beach area and many older neighborhoods on the mainland. Wind features and flood zone matter for coastal addresses.
1978Median year homes were built
56%Homes built before 1980
59%Owner-occupied homes
$361,300Median home value
Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates.
Where to start
Start with the guides below, then use the form to get matched with one vetted local pro who works in Clearwater. It's free and there's no obligation.
The Wind Mitigation Form (OIR-B1-1802) Explained Section by SectionA plain-English walkthrough of Florida's wind mitigation form: building code, roof covering, deck, roof-to-walThe 4-Point Inspection Explained: Roof, Electrical, Plumbing and HVACWhat a Florida 4-point inspection covers, what insurers look for, who can sign it, and how it differs from a wHow to Prepare Your Home for a Wind Mitigation or 4-Point InspectionA practical checklist to get ready: attic access, panel access, permits and invoices, and what to have on handHow to Use Your Wind Mitigation Report With Your InsurerHow to send your wind mitigation form, what to ask your insurer or agent, and how to keep credits current at rWind Mitigation and Roof Replacement: What to Know Before You Re-RoofHow a new roof affects your wind mitigation form: permits, roof covering, deck attachment, secondary water resBuying a Home in Pinellas County: Which Inspections Do You Need?A buyer's guide to inspections in Pinellas: general home inspection, wind mitigation, 4-point, roof, flood zon