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Pinellas County Flood Zones · 2026

Pinellas County Flood Zone Map — Check Any Address

Look up FEMA flood zones for any address in St. Petersburg, Clearwater, Dunedin, or anywhere in Pinellas County. Understand what AE, VE, and X actually mean for your home value, insurance premium, and resale.

Check your address on the official FEMA map

FEMA's Map Service Center is the authoritative source for Flood Insurance Rate Map (FIRM) zones. It blocks being embedded in other sites, so open it directly in a new tab.

Open FEMA Flood Map →Pinellas County GIS Map →

Tip: search any Pinellas County address on either map to see the official FEMA FIRM zone (X, AE, VE, etc.).

FEMA flood zones in plain English

Low risk

Zone X

Outside the 0.2% annual chance floodplain. Lender doesn't require flood insurance. Most of inland St. Pete and central Pinellas. Still smart to carry coverage — premiums are low.

High risk

Zone AE

1% annual flood chance. Lender requires flood insurance. Premiums vary by Base Flood Elevation (BFE) vs. your home's elevation — an elevation cert can save thousands a year.

High risk · Coastal

Zone VE

Coastal velocity zone — same 1% chance plus wave hazard. Premiums are the highest in the county. Common on Indian Rocks, Treasure Island, Madeira, Clearwater Beach, barrier islands.

High risk · No BFE

Zone A

Same flood risk as AE but FEMA hasn't studied the BFE. Lender will require insurance and the premium is conservative because elevation isn't established.

What this means for buyers and sellers

For buyers

  • Get an elevation certificate before closing — premiums can swing $3K+/year based on the BFE delta.
  • Confirm flood-insurance availability through both NFIP and private carriers before you write an offer.
  • Post-Helene/Milton: ask whether the home triggered the 50% rule — that affects rebuild scope.

For sellers

  • Pricing in AE/VE reflects insurance cost-of-carry. Lead with elevation certificate + any mitigation.
  • Disclose any post-storm repairs and the substantial-damage status.
  • STR/Airbnb owners: insurance carriers treat short-term rentals differently — confirm coverage before listing.

Free for buyers + sellers

Need an elevation certificate?

Troy can order one for the property you're buying or selling and walk you through what the BFE delta means for your premium. No charge.

Text Troy about elevation cert →

Buying or selling in a flood zone?

Troy walks you through the elevation cert, insurance estimate, and resale comps — free. Text back same day.

Or call us: (727) 625-1777