FloodMaps
Map of FEMA flood zones in Pinellas CountyTap the map to explore

County · Flood risk

Check any address in Pinellas County

Quick facts

Homes on the tax roll

387,829

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Aug 2021

First flood map 1971

Flood insurance discount

40% off

Pinellas County, Community Rating System Class 2

Most flood claims in one storm

23,367

Hurricane Helene 2024, 20,635 paid

Homes with water, FEMA aid

25,429

Aid registrations reporting water inside, Hurricane Helene 2024

New FEMA maps

Preliminary

Draft zones FEMA has released for review

Elevation certificates

19,382

County records of surveyed floor heights

Sinkhole reports

121

1 confirmed by the state

Past storms in Pinellas County

National Flood Insurance Program claims and FEMA aid registrations that reported water inside the home, for the whole county.

Flood claims and FEMA aid by storm in Pinellas County
StormClaimsPaidAid, water inside
Hurricane Hermine 2016180108118
Hurricane Irma 201722445880
Tropical Storm Eta 20201,063914–
Hurricane Ian 2022384120
Hurricane Nicole 2022124–
Hurricane Idalia 20231,9721,7622,037
Hurricane Debby 202412277427
Hurricane Helene 202423,36720,63525,429
Hurricane Milton 20242,5601,5525,280

Frequently asked questions

Do I need flood insurance in Pinellas County?

Lenders require flood insurance on a federally backed mortgage when the building is in one of FEMA's high-risk zones, the ones starting with A or V. The map that sets those zones in Pinellas County took effect on August 24, 2021. Outside those zones insurance is optional, but claims come from moderate- and low-risk zones too, so it's worth checking the zone and the floor height of the exact home.

When was the FEMA flood map for Pinellas County last updated?

The flood map in effect for Pinellas County took effect on August 24, 2021. The county's first flood map dates to June 18, 1971. FEMA has released preliminary maps for parts of the county; they don't change insurance requirements until they're adopted and take effect.

Is there a flood insurance discount in Pinellas County?

Pinellas County is in FEMA's Community Rating System at Class 2, which takes 40% off National Flood Insurance Program premiums for policies inside the high-risk flood zone. Classes run from 10 to 1, and each step down adds 5% off.

Which storms flooded Pinellas County the most?

By National Flood Insurance Program claims across Pinellas County, the worst recent storms were Hurricane Helene 2024 (23,367 claims, 20,635 paid), Hurricane Milton 2024 (2,560 claims, 1,552 paid), and Hurricane Idalia 2023 (1,972 claims, 1,762 paid). After Hurricane Helene 2024, 25,429 FEMA aid registrations in the county reported water inside the home. Claims only count insured homes, so the real number of flooded homes is higher.

Are there sinkholes in Pinellas County?

The Florida Geological Survey has 121 subsidence reports on file for Pinellas County, 1 of them confirmed as true sinkholes. Most reports were never verified, and a report near a home doesn't mean the ground under it is unstable. The full report lists the nearest ones.

Pinellas is Florida's most densely populated county, a peninsula between Tampa Bay and the Gulf with St. Petersburg, Clearwater, and a string of barrier islands.

Pinellas County has about 388,000 homes on the state tax roll. The FEMA flood map in effect for Pinellas County took effect on August 24, 2021; the county's first flood map dates to 1971. The storm that left the most flood insurance claims in the county was Hurricane Helene 2024, with 23,367, followed by Hurricane Milton 2024 with 2,560. Pinellas County is in FEMA's Community Rating System at Class 2, which takes 40% off National Flood Insurance Program premiums for policies inside the high-risk flood zone.

On the Gulf coast, the worst floods come from hurricane storm surge pushed into bays, canals, and river mouths, and from heavy rain that can't drain while the tide is high. The storms we track for the Tampa Bay area are Hurricane Hermine 2016, Hurricane Irma 2017, Tropical Storm Eta 2020, Hurricane Ian 2022, Hurricane Idalia 2023, Hurricane Debby 2024, Hurricane Helene 2024, and Hurricane Milton 2024.

Search any address in Pinellas County for a free report: its FEMA flood zone and whether insurance is required, its risk level, and its floor height against the flood line. The full report adds a 0 to 100 risk score, the flood insurance cost, the home's record in each storm we track, and a PDF to share.

Compiled by FloodMaps from FEMA, state, and county records. Data dates: 2026 county tax roll (preliminary values); flood claims and FEMA aid for storms from 2016 through Hurricane Milton (October 2024); FEMA map dates and insurance discounts as of October 8, 2026.

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