Pinellas County flood zone map
Pinellas County flood zone map
Pinellas County's FEMA flood map puts high-risk land in zones that start with A or V.[1] If your home is in one and your loan is federally backed, your lender has to require flood insurance.[2]
Checked against FEMA’s flood map for that exact spot.
See it on Pinellas County's flood map[3] See the official FEMA map[4]
Pinellas County flood insurance by the numbers: how many policies are in force?
124,335
FEMA OpenFEMA, read July 6, 2026[5]
$1,314 a year
FEMA OpenFEMA, read July 6, 2026[5]
40%
FEMA CRS list, read October 24, 2026[6]
What does each zone on the Pinellas County map mean?
- A zones High risk. Land with at least a 1% chance of flooding in any year. Zone AE shows the base flood elevation, the height the water is expected to reach.[7]
- V zones High risk, with waves. Coastal land where waves push in, not just rising water. Zone VE has the strictest building rules.[7]
- Zone X Outside the high-risk area. Land outside the A and V zones is Zone X. A lender does not have to require flood insurance there. FEMA still rates Zone X as moderate or minimal risk, not no risk.[7]
The letter decides the requirement. It does not decide your price. The building does.[8]
Is the Pinellas County map about to change? See the Alligator Creek Watershed map
Preliminary FEMA map
Is your Pinellas County zone about to change?
FEMA has released a new preliminary flood map for the Alligator Creek Watershed, covering parts of unincorporated Pinellas, Clearwater and Safety Harbor.[9]
The new map shows about 1,390 acres in the 100-year floodplain, up from about 975 acres on the current FEMA map.[9]
The appeal and comment period ends November 17, 2026.[9]
Read Pinellas County's page on the new map See the changes on FEMA's viewer
Zone AE on the map: does your lender require a policy? Flood insurance in Pinellas County
Your zone sets the requirement. What sets the price in Pinellas County?
Your flood zone decides if your lender requires a policy. Your building decides the price, under Risk Rating 2.0: how often it could flood, how close it sits to the water, its first floor height and what it would cost to rebuild.[8]
An elevation certificate shows your first floor height against the base flood elevation. See Pinellas County's elevation certificate page.
Check my addressChecked against FEMA’s flood map for that exact spot.
Questions about the Pinellas County flood zone map?
How can I find my flood zone in Pinellas County?
Type your address in the ShoutFlood address check at the top of the page. It reads FEMA's flood map for that spot and shows your zone. You can also search the Pinellas County Flood Map Service Center or FEMA's Flood Map Service Center. Lenders go by the FEMA map, not the county's own floodplain maps. [1][4]
How can I check if my address is in a flood zone in Florida?
Pinellas County says everyone in the county is in a flood zone. Enter your address in the ShoutFlood check, or search FEMA's Flood Map Service Center, which covers every Florida address. [1][4]
What flood zones in Florida require flood insurance?
Zones that start with A or V are the high-risk area. If your home is there and your loan is federally backed, your lender has to require flood insurance. Zone X is outside that area, so the lender does not have to require it. FEMA still rates Zone X as moderate or minimal risk, not no risk. [7][2]
What's the worst flood zone to be in?
V zones, and Zone VE most of all. VE means waves, not just rising water, and the strictest building rules. Still, the zone decides the requirement, not the price. Your building decides the price, so two Pinellas County homes in the same zone can pay very different amounts. [7][8]
ShoutFlood is not affiliated with FEMA or the NFIP.