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.
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 |
|---|---|
| Disston Heights | X |
| Crescent Heights | X |
| Historic Kenwood | X |
| Crescent Lake | X |
| Allendale | X |
| Wesley Chapel | X |
| Parrish | X |
| Old Northeast | Mixed |
| Gulfport | Mixed |
| Shore Acres | AE |
| Snell Isle | AE |
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.