St. Petersburg, Florida Flood Zones
St. Petersburg is surrounded by water on three sides and faces extreme storm surge risk from Tampa Bay and the Gulf of Mexico. Much of the city sits at very low elevations with limited evacuation routes.
Common Flood Zones in St. Petersburg
Properties in St. Petersburg, FL are commonly designated in these FEMA flood zones:
Check Your St. Petersburg Address
Enter any St. Petersburg, FL address to instantly see its FEMA flood zone, risk level, and whether flood insurance is required.
Free Flood Zone LookupWhat Your Flood Zone Means in St. Petersburg
FEMA assigns flood zone designations to every property in the United States based on flood risk assessments. In St. Petersburg, the most common designations are Zone AE, Zone VE, Zone X.
Properties in Special Flood Hazard Areas (SFHAs) - zones starting with A or V - are required to carry flood insurance if they have a federally-backed mortgage. Properties in Zone X are outside the SFHA and flood insurance is typically optional but often recommended.
Flood zone designations can change over time through Letters of Map Amendment (LOMA) or Letters of Map Revision (LOMR). Use our free lookup tool to check the current flood zone for any St. Petersburg address.