Tampa Bay Flood Zone Map

See actual FEMA flood zone boundaries overlaid on the map. Check any address or explore neighborhoods — know the flood risk before you buy.

Check an address

Data from FEMA National Flood Hazard Layer (NFHL). Updated after major flood events.

Flood Zone Quick Reference

After the hurricanes, flood zone is question #1 from every buyer. Here's a snapshot of the neighborhoods we cover.

Neighborhood	Flood Zone	Elevation	Notes
Disston Heights	X	50–61 ft	Highest in St. Pete — stayed dry during Helene
Crescent Heights	X	~40 ft	Central location, solid flood status
Historic Kenwood	X	~25 ft	Zone X throughout
Crescent Lake	X	~22 ft	Locals moving here from ONE for flood status
Allendale	X	~18 ft	Between downtown & beaches, Zone X
Wesley Chapel	X	~55 ft	Highest elevation in the region
Parrish	X	~35 ft	New construction, good elevation
Old Northeast	Mixed	~8 ft	Waterfront portions in Zone AE
Gulfport	Mixed	~12 ft	65% Zone X, 26% Zone AE
Shore Acres	AE	~5 ft	Heavily impacted by Hurricane Helene
Snell Isle	AE	~7 ft	Premium waterfront — flood insurance required

Flood Insurance in Tampa Bay

Zone X: Flood insurance is optional but recommended. Rates are significantly lower than high-risk zones — often under $500/year.

Zone AE/VE: Flood insurance is required if you have a federally backed mortgage (FHA, VA, conventional). Rates can range from $1,500 to $5,000+/year depending on elevation and structure.

After Hurricane Helene, FEMA updated flood maps for parts of Pinellas County. Always verify the current flood zone for any specific property — maps change.

Need help understanding flood risk?

Flood zone status affects your insurance, your resale value, and your peace of mind. We've helped over 50 buyers navigate this — let's talk through your options.

Book a Free Call or call (727) 472-7555