Pinellas County, Florida
flood insurance data
- The median paid claim, $96,070, is 68.0% above the Florida median ($57,176) and 157.9% above the national median of the same years ($37,248), the 2nd highest of 339 counties with all four FEMA sources.
- Inside the Special Flood Hazard Area (SFHA), the median premium in Pinellas County is $2,246, 176.6% higher than outside it ($812); most of its zoned policies sit inside the SFHA (71.8%).
- Of the 4 zones listed (AE, X, A, VE), zone VE has the highest median premium ($4,485) and zone A the lowest ($802). Coastal high-hazard zone VE is listed, with 781 policies.
- The median NFIP premium in Pinellas County, $1,477, is 47.4% above the Florida median ($1,002) and 40.0% above the national median ($1,055); it is the 23rd highest of 339 counties with all four FEMA sources.
Source: FEMA, OpenFEMA NfipPolicies (v3, data as of 2026-09-09, retrieved 2026-10-11 and 2026-10-12), NfipClaims (v3, data as of 2026-09-09, retrieved 2026-10-12), DisasterDeclarationsSummaries (v2, data as of 2026-10-11, retrieved 2026-10-12), HousingAssistanceOwners (v2, data as of 2026-10-11, retrieved 2026-10-12), NfipCommunityStatusBook (v1, data as of 2026-10-11, retrieved 2026-10-12); CPI-U, U.S. city average, all items (CUUR0000SA0), annual average (BLS Public Data API v1, annual averages 2005-2025, retrieved 2026-10-12). Not an official federal report.
NFIP premiums in Pinellas County
NFIP premiums: what NFIP policyholders paid, not a quote. Across 64,682 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $1,477, and half of them fall between $911 (Q1) and $3,337 (Q3).
With 64,682 residential NFIP policies effective 2025, Pinellas County has the 6th most of 339 counties with all four FEMA sources, and the 4th most of 43 Florida counties of that list. Residential NFIP policies counted by FEMA fell 9.8% between 2019 (71,740) and 2025 (64,682); the first year, 2019, has the highest count of the 7.
| Flood zone group | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| SFHA (A, AE, AH, AO, AR, A99, V, VE) | 46,429 | $1,224 | $2,246 | $4,127 |
| Outside SFHA (X, B, C) | 18,253 | $492 | $812 | $1,081 |
By flood zone
| Flood zone | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| AE | 44,743 | $1,257 | $2,281 | $4,124 |
| X | 18,253 | $492 | $812 | $1,081 |
| A | 868 | $636 | $802 | $1,086 |
| VE | 781 | $1,971 | $4,485 | $6,555 |
Policies in force by year
| Year | Policies |
|---|---|
| 2019 | 71,740 |
| 2020 | 71,322 |
| 2021 | 70,721 |
| 2022 | 59,912 |
| 2023 | 62,824 |
| 2024 | 64,472 |
| 2025 | 64,682 |
Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 64,682 policies.
NFIP paid building claims in Pinellas County
NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 25,635 paid claims; median $96,070, half of them between $33,970 (Q1) and $153,214 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $97,059, a monetary adjustment, not today’s cost of repair.
One event weighs on these figures: Hurricane Helene accounts for 80.8% of the paid claims in Pinellas County, the next event (Hurricane Idalia) for 6.9%. These figures largely reflect that one disaster. 2024 alone holds 87.5% of the paid claims (year of loss 2015-2024). With 25,635 paid claims (year of loss 2015-2024), Pinellas County has the 3rd most of 339 counties with all four FEMA sources, and the 2nd most of 43 Florida counties of that list.
| Event | Paid claims | Share |
|---|---|---|
| Hurricane Helene | 20,713 | 80.8% |
| Hurricane Idalia | 1,776 | 6.9% |
| Hurricane Milton | 1,562 | 6.1% |
| Hurricane Eta | 916 | 3.6% |
| December Nor'easter | 163 | 0.6% |
Paid claims by year of loss
| Year of loss | Paid claims |
|---|---|
| 2015 | 78 |
| 2016 | 136 |
| 2017 | 53 |
| 2018 | 14 |
| 2019 | 24 |
| 2020 | 923 |
| 2021 | 5 |
| 2022 | 9 |
| 2023 | 1,959 |
| 2024 | 22,434 |
FEMA disaster declarations
Since 2000: 20 flood, hurricane and severe-storm declarations (DR and EM) covering Pinellas County, 11 of them major disaster declarations.
| Incident type | Declarations |
|---|---|
| Flood | 0 |
| Hurricane | 17 |
| Severe Storm | 3 |
Latest declarations
- DR-4834: HURRICANE MILTON (Hurricane, 2024-10-11)
- EM-3622: HURRICANE MILTON (Hurricane, 2024-10-07)
- DR-4828: HURRICANE HELENE (Hurricane, 2024-09-28)
- DR-4734: HURRICANE IDALIA (Hurricane, 2023-08-31)
- DR-4680: HURRICANE NICOLE (Hurricane, 2022-12-13)
FEMA assistance to homeowners
Since 2002: 74,304 owner registrations inspected by FEMA in Pinellas County after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.
| Damage band | Registrations |
|---|---|
| No FEMA-inspected damage | 23,583 |
| $1-$10,000 | 31,578 |
| $10,001-$20,000 | 11,173 |
| $20,001-$30,000 | 5,874 |
| More than $30,000 | 2,096 |
Disasters with the most inspections
- DR-4828, HURRICANE HELENE (declared 2024-09-28): 25,208 inspections
- DR-4834, HURRICANE MILTON (declared 2024-10-11): 19,692 inspections
- DR-4337, HURRICANE IRMA (declared 2017-09-10): 15,967 inspections
- DR-4673, HURRICANE IAN (declared 2022-09-29): 4,135 inspections
- DR-4734, HURRICANE IDALIA (declared 2023-08-31): 2,800 inspections
NFIP communities and flood maps
FEMA’s Community Status Book places 25 NFIP communities in Pinellas County alone; 23 of them (92.0%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 2 (Pinellas County *): FEMA applies that 40% discount to the full-risk premium of Regular Program NFIP policies in that community, inside or outside the SFHA, not to the whole county; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Pinellas County dates from 2021-08-24 (Pinellas County *).
| Community | In the NFIP | CRS class | CRS discount (all policies) | Map in effect | First FIRM | Sanction |
|---|---|---|---|---|---|---|
| Pinellas County * | yes | 2 | 40% | 2021-08-24 | 1971-06-18 | — |
| Clearwater, City of | yes | 5 | 25% | 2021-08-24 | 1971-06-09 | — |
| Dunedin, City of | yes | 5 | 25% | 2021-08-24 | 1971-05-14 | — |
| Largo, City of | yes | 5 | 25% | 2021-08-24 | 1971-05-28 | — |
| Oldsmar, City of | yes | 5 | 25% | 2021-08-24 | 1971-05-21 | — |
| Pinellas Park, City of | yes | 5 | 25% | 2021-08-24 | 1977-08-15 | — |
| ST. Petersburg, City of | yes | 5 | 25% | 2021-08-24 | 1971-05-28 | — |
| Tarpon Springs, City of | yes | 5 | 25% | 2021-08-24 | 1971-05-14 | — |
| Belleair Beach, City of | yes | 6 | 20% | 2021-08-24 | 1971-05-14 | — |
| Gulfport, City of | yes | 6 | 20% | 2021-08-24 | 1971-05-21 | — |
| Indian Rocks Beach, City of | yes | 6 | 20% | 2021-08-24 | 1971-05-07 | — |
| Indian Shores, Town of | yes | 6 | 20% | 2021-08-24 | 1971-05-21 | — |
| Madeira Beach, City of | yes | 6 | 20% | 2021-08-24 | 1971-05-07 | — |
| Redington Shores, Town of | yes | 6 | 20% | 2021-08-24 | 1971-05-08 | — |
| Safety Harbor, City of | yes | 6 | 20% | 2021-08-24 | 1971-06-18 | — |
| ST. Pete Beach, City of | yes | 6 | 20% | 2021-08-24 | 1970-05-22 | — |
| Treasure Island, City of | yes | 6 | 20% | 2021-08-24 | 1971-05-08 | — |
| Belleair Bluffs, City of | yes | 7 | 15% | 2021-08-24 | 1977-08-15 | — |
| Belleair, Town of | yes | 7 | 15% | 2021-08-24 | 1971-05-14 | — |
| North Redington Beach, Town of | yes | 7 | 15% | 2021-08-24 | 1971-05-14 | — |
| Redington Beach, Town of | yes | 7 | 15% | 2021-08-24 | 1971-05-07 | — |
| South Pasadena, City of | yes | 7 | 15% | 2021-08-24 | 1971-05-14 | — |
| Kenneth City, Town of | yes | 8 | 10% | 2021-08-24 | 1981-01-16 | — |
| Belleair Shore, Town of | yes | — | — | 2021-08-24 | 1971-05-14 | — |
| Seminole, City of | yes | — | — | 2021-08-24 | 1981-06-01 | — |
Questions about flood insurance in Pinellas County
How much is flood insurance in Pinellas County?
NFIP policyholders in Pinellas County paid a median of $1,477 for residential policies effective 2025 (64,682 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $911 and $3,337; $2,246 inside the Special Flood Hazard Area against $812 outside it: what NFIP policyholders paid, not a quote.
How many flood insurance claims has Pinellas County had?
25,635 NFIP building claims were paid (year of loss 2015-2024), with a median of $96,070; the year with the most was 2024 (22,434), and the named event with the most was Hurricane Helene (20,713). These are amounts paid, not repair cost.
Is Pinellas County in a flood zone?
Of the residential NFIP policies of Pinellas County (policies effective 2025), 46,429 are rated inside the Special Flood Hazard Area and 18,253 outside it (zones listed: AE, X, A, VE), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.
Statewide figures: Florida flood insurance data.
Named storms with paid claims in Pinellas County
Related tools
NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.
To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.
Before using these figures
A county figure can rest on one disaster, and FEMA’s county code may not be the county where every property stands. Method and limits.
Source and notice
- Dominant event: Hurricane Helene = 0.808 of paid claims 2015-2024.
This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).