Last verified: October 22, 2026
Pinellas County has no FEMA disaster declaration in 2025 or 2026. OpenFEMA, checked October 22, 2026, lists Pinellas on three major disaster declarations in 2024, for Hurricanes Debby, Helene and Milton, each with an emergency declaration before it. Over the same stretch, the federal house price index for the St. Petersburg-Clearwater-Largo area went flat and then slipped, while the Tampa side kept inching up.
I'm Troy Nowak, broker of Mangrove Bay Realty (BK3436609). This page puts the declaration record and the price index side by side for Tampa Bay, and it says plainly where the data stops.
Which FEMA declarations list Pinellas County?
The table comes from FEMA's Disaster Declarations Summaries dataset. DR is a major disaster declaration. EM is an emergency declaration. IA means Individual Assistance was declared for the county, and PA means Public Assistance.
| Declaration | Date declared | Event | Programs for Pinellas |
|---|---|---|---|
| DR-4834 | October 11, 2024 | Hurricane Milton | IA, PA |
| EM-3622 | October 7, 2024 | Hurricane Milton | PA |
| DR-4828 | September 28, 2024 | Hurricane Helene | IA, PA |
| EM-3615 | September 24, 2024 | Tropical Storm Helene | PA |
| DR-4806 | August 10, 2024 | Hurricane Debby | IA, PA |
| EM-3605 | August 3, 2024 | Tropical Storm Debby | PA |
| DR-4734 | August 31, 2023 | Hurricane Idalia | IA, PA |
| DR-4680 | December 13, 2022 | Hurricane Nicole | PA |
| DR-4673 | September 29, 2022 | Hurricane Ian | IA, PA |
Source: OpenFEMA DisasterDeclarationsSummaries v2, filtered to Pinellas County, Florida, queried October 22, 2026. Earlier emergency declarations for Ian (EM-3584), Nicole (EM-3587) and Idalia (EM-3596) also list Pinellas.
No declaration dated 2025 or 2026 lists Pinellas. The only Florida declarations in OpenFEMA for 2026 so far are two fire management declarations in April (Levy, Clay and Putnam counties) and EM-3655 for Hurricane Isaias on October 9, 2026, which lists 27 counties in North Florida and the Panhandle. Pinellas, Hillsborough, Pasco and Manatee are not among them.
The 2020 bars include the COVID-19 declarations (EM-3432 and DR-4486), which were not storms.
Did the rest of Tampa Bay get the same declarations?
Yes for 2024. Hillsborough, Pasco and Manatee are listed on DR-4806 (Debby), DR-4828 (Helene) and DR-4834 (Milton). Pasco's listing on DR-4806 shows Public Assistance only. None of the four counties is listed on a 2025 or 2026 declaration.
What happened to home prices around the storms?
The Federal Housing Finance Agency publishes an all-transactions house price index by metro area. It is a repeat-sales index, so it tracks the same homes over time instead of a median price. Tampa Bay is split into two metro divisions: St. Petersburg-Clearwater-Largo (Pinellas) and Tampa.
| Quarter | St. Petersburg-Clearwater-Largo index | Tampa index |
|---|---|---|
| 2022 Q3 (Ian) | 562.34 | 479.82 |
| 2024 Q2 | 599.54 | 501.66 |
| 2024 Q3 (Debby, Helene) | 606.45 | 506.29 |
| 2024 Q4 (Milton) | 600.63 | 506.30 |
| 2025 Q1 | 591.26 | 508.11 |
| 2025 Q4 | 597.10 | 511.25 |
| 2026 Q2 | 594.44 | 516.64 |
Source: FHFA House Price Index, all-transactions, metro areas (hpi_at_metro.csv), downloaded October 22, 2026. Not seasonally adjusted.
From 2024 Q3 to 2026 Q2, the St. Petersburg-Clearwater-Largo index fell about 2.0%. The Tampa index rose about 2.0% over the same quarters. That is our math from the FHFA file.
Does that prove the storms lowered coastal values?
No. The index covers the whole metro division, inland and coastal, and it does not separate flood zones or waterfront homes. Insurance costs, interest rates and inventory all moved in the same period. The data shows Pinellas prices stalled after the 2024 storms while Tampa's did not. It does not tell you how much of that came from storm damage.
We did not find a public, sourced index of coastal-only or flood-zone-only home values for Pinellas, so this page does not publish one. For a specific house, a broker CMA with recent sales on the same street and the same flood zone is the honest answer.
What does a missing 2025 or 2026 declaration mean for a buyer?
It means FEMA did not declare a federal disaster for Pinellas in those years. It does not change the flood zone on the map, the base flood elevation, or the insurance rating of a house. A property that flooded in 2024 still carries that history, and a substantial-damage determination from 2024 can still affect permits.
Before you write an offer near the water:
- Pull the flood zone from the FEMA Flood Map Service Center and read the Pinellas flood zone map and FEMA declaration guide.
- Ask the seller in writing about 2024 storm damage, insurance claims and FEMA assistance.
- Check permits for post-storm repairs with the city or county building department.
- Get flood and wind insurance quotes for the exact address before you set the price.
- Compare the house against recent sales, not the metro index. Use the free home value review or the St. Pete neighborhood guide.
Official sources
- FEMA OpenFEMA, Disaster Declarations Summaries v2 (queried October 22, 2026)
- FEMA declared disasters (checked October 22, 2026)
- FEMA DR-4834, Hurricane Milton (checked October 22, 2026)
- FEMA DR-4828, Hurricane Helene (checked October 22, 2026)
- FEMA DR-4806, Hurricane Debby (checked October 22, 2026)
- FHFA House Price Index datasets (downloaded October 22, 2026)
- FEMA Flood Map Service Center (checked October 22, 2026)
Frequently asked questions
Was there a FEMA disaster declaration for Pinellas County in 2025?
No. OpenFEMA, checked October 22, 2026, lists no 2025 or 2026 declaration for Pinellas County. The most recent are the 2024 declarations for Hurricanes Debby (DR-4806), Helene (DR-4828) and Milton (DR-4834).
Did home values in Pinellas drop after Helene and Milton?
The FHFA all-transactions index for the St. Petersburg-Clearwater-Largo division was about 2.0% lower in 2026 Q2 than in 2024 Q3. That is a metro-wide index, so it cannot isolate coastal homes or the effect of the storms.
Does a FEMA declaration change my flood zone?
No. Declarations open federal aid after a disaster. Flood zones come from FEMA flood maps, which change through a separate mapping process.
Who can review a coastal house before I offer?
Troy Nowak, broker of Mangrove Bay Realty (BK3436609), can pull the flood zone, storm history and comparable sales for the address. Send the address
Educational real estate information, not insurance or legal advice. FEMA and FHFA data are revised. Check the linked sources before you rely on a number.