Clearwater, FL
Clearwater · FL 33756
Updated August 8, 2026 · Would You Live There?
Good for now
Verdict
$363K
Median Price
80/100
Walk Score
8.8/10
Schools
39 min
to Tampa, FL
Score Breakdown
Our Take
Clearwater offers a solid mix of good schools, beach access, and a manageable commute to Tampa. The main caveats are its high flood and hurricane risk and the need for extra insurance. For families or retirees who value coastal living and decent amenities, it’s a reasonable choice.
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The Good
- ✓High-rated public schools (average 8.6)
- ✓Coastal location with beaches and parks
- ✓Short commute to Tampa (39 minutes)
- ✓Affordability relative to nearby Gulf Coast markets
Real Talk
- !High flood risk (Flood Zone AE) demands mandatory flood insurance
- !Hurricane exposure increases insurance costs and potential damage
- !Older coastal homes may require frequent maintenance and updates
- !Property prices have risen steadily and could continue to climb
- $Annual flood insurance premiums
- $Hurricane windstorm insurance
- $Higher property tax rates for coastal properties
Best For
Risk Snapshot
Crime & Safety
Clearwater, FL
Safety grade
5% higher than the national average
2% higher than the national average
Verify with real-time data
City-Data stats →From Residents
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