FloodMaps
Map of FEMA flood zones in St. PetersburgTap the map to explore

City · Flood risk

Check any address in St. Petersburg

Inside St. Petersburg city limits 

Homes in St. Petersburg

97,538

On the state tax roll

Flood claims since 2016

6,606

In 12 storms, 5,835 paid

Most claims in one storm

4,855

Hurricane Helene 2024, 4,439 paid

FEMA flood map in effect

Aug 2021

First flood map 1971

Flood insurance discount

25% off

City of St. Petersburg, Community Rating System Class 5

Elevation certificates

5,173

Surveyed floor heights on file

St. Petersburg and Pinellas County

St. Petersburg has 25% of Pinellas County's homes and 22% of its flood claims since 2016.

St. Petersburg compared with all of Pinellas County
St. PetersburgAll of Pinellas
Homes97,538387,829
Flood claims since 20166,60629,543
FEMA aid, water insideNo city figure34,291

Past storms in St. Petersburg

National Flood Insurance Program claims, filed in the city and across the county.

Flood claims by storm in St. Petersburg and in all of Pinellas County
StormSt. PetersburgAll of Pinellas
Hurricane Hermine 201622180
Hurricane Irma 201742224
Tropical Storm Eta 20204791,063
Hurricane Ian 2022738
Hurricane Nicole 2022212
Hurricane Idalia 20236551,972
Hurricane Debby 202413122
Hurricane Helene 20244,85523,367
Hurricane Milton 20245282,560

Frequently asked questions

Do I need flood insurance in St. Petersburg?

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 St. Petersburg 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 St. Petersburg last updated?

The flood map in effect for St. Petersburg took effect on August 24, 2021. The city's first flood map dates to May 28, 1971. FEMA has released preliminary maps for parts of Pinellas County; they don't change insurance requirements until they're adopted and take effect.

Is there a flood insurance discount in St. Petersburg?

The City of St. Petersburg is in FEMA's Community Rating System at Class 5, which takes 25% 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 St. Petersburg the most?

By National Flood Insurance Program claims filed in St. Petersburg, the worst recent storms were Hurricane Helene 2024 (4,855 claims, 4,439 paid), Hurricane Idalia 2023 (655 claims, 606 paid), and Hurricane Milton 2024 (528 claims, 335 paid). Across Pinellas County, 25,429 FEMA aid registrations reported water inside the home after Hurricane Helene 2024. Claims only count insured homes, so the real number of flooded homes is higher.

Are there sinkholes in St. Petersburg?

The Florida Geological Survey has 22 subsidence reports on file inside St. Petersburg's city limits. 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.

St. Petersburg sits on the southern Pinellas peninsula between Tampa Bay and the Gulf; Hurricane Helene's surge flooded many of its waterfront neighborhoods in 2024.

St. Petersburg has about 97,500 homes on the state tax roll inside its city limits. The FEMA flood map in effect for St. Petersburg took effect on August 24, 2021; the city's first flood map dates to 1971. Since 2016, 6,606 flood insurance claims have been filed in St. Petersburg in the storms we track, 5,835 of them paid. The storm that left the most was Hurricane Helene 2024, with 4,855, followed by Hurricane Idalia 2023 with 655. The City of St. Petersburg is in FEMA's Community Rating System at Class 5, which takes 25% 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 St. Petersburg 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 for storms from 2016 through Hurricane Milton (October 2024); FEMA map dates and insurance discounts as of October 8, 2026.

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