Enter any address in Pinellas County, Florida to see its FEMA flood zone
Pinellas County experiences a mix of flood-related events, with floods, tropical storms, and storm surge/tide being the most frequent over the last 30 years. Recent events include flash flooding in August 2025 and October 2024, with the latter associated with Hurricane Milton, a Category 3 storm that made landfall nearby.
National Flood Insurance Program data shows a significant number of claims in Zone A, averaging over $77,000 in payouts and 3.7 feet of water depth. Zone V also sees substantial claims, while Zone X areas, though less frequent, can experience considerable water depths.
Homeowners in coastal areas, those near waterways, and properties located in Zone A or V should pay particular attention to flood risk. Residents in Zone X areas, especially those designated as unshaded, should also be aware of potential flood impacts.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
68 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Pinellas County, Florida has recorded 115 flood-related events since 1996 according to NOAA's Storm Events Database, including 12 flash floods and 38 river or area floods. The county has received 45 federal disaster declarations, 1 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1968–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Hurricane Milton | Hurricane | Oct 5, 2024 |
| Hurricane Helene | Hurricane | Sep 23, 2024 |
| Tropical Storm Helene | Tropical Storm | Sep 23, 2024 |
| Hurricane Debby | Tropical Storm | Aug 1, 2024 |
| Tropical Storm Debby | Tropical Storm | Aug 1, 2024 |
| Hurricane Idalia | Hurricane | Aug 27, 2023 |
| Tropical Storm Idalia | Tropical Storm | Aug 27, 2023 |
| Hurricane Nicole | Hurricane | Nov 7, 2022 |
| Tropical Storm Nicole | Tropical Storm | Nov 7, 2022 |
| Hurricane Ian | Hurricane | Sep 23, 2022 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Aug 10, 2025 | 75.00K |
| Flash Flood | Aug 10, 2025 | 50.00K |
| Coastal Flood | Apr 11, 2024 | 0.00K |
| Flash Flood | Oct 10, 2024 | 0.00K |
| Hurricane (Typhoon) | Oct 9, 2024 | — |
| Hurricane (Typhoon) | Oct 9, 2024 | 43.00M |
| Tropical Storm | Aug 4, 2024 | 0.00K (1 deaths) |
| Tropical Storm | Aug 30, 2023 | 0.00K |
| Coastal Flood | Dec 17, 2023 | 0.00K |
| Coastal Flood | Dec 17, 2023 | 100.00K |
Flash Flood — Aug 10, 2025
A surface trough across the peninsula coupled with broad low- to mid-level inverted troughing over the eastern gulf enables moist south to southeast flow over the peninsula, leading to clusters of slow-moving, deep convection with heavy rain producing flash flooding in parts of Lee County during the early morning hours, and in parts of Pinellas County during the evening hours.
Coastal Flood — Apr 11, 2024
A broken line of thunderstorms ahead of a cold front moving across the eastern Gulf of Mexico produce wind damage in Levy, Pinellas and Hillsborough counties, street flooding and a funnel cloud in Pasco County, structural fires due to lightning in Pinellas County, and a severe wind gust in Hillsborough County. Minor coastal flooding was briefly observed in Pinellas County in the wake of the lin...
Flash Flood — Oct 10, 2024
Hurricane Milton made landfall along the west-central Florida coast near Siesta Key at 7:30 PM EST on October 9th as a major, Category 3 hurricane with maximum sustained winds of 120 mph and a minimum pressure of 954 mb. 2 days prior to landfall on October 7th, Milton reached its peak intensity as a Category 5 hurricane with maximum sustained winds of 180 mph and a minimum pressure of 897 mb, m...
Hurricane (Typhoon) — Oct 9, 2024
Hurricane Milton made landfall along the west-central Florida coast near Siesta Key at 7:30 PM EST on October 9th as a major, Category 3 hurricane with maximum sustained winds of 120 mph and a minimum pressure of 954 mb. 2 days prior to landfall on October 7th, Milton reached its peak intensity as a Category 5 hurricane with maximum sustained winds of 180 mph and a minimum pressure of 897 mb, m...
Tropical Storm — Aug 4, 2024
Hurricane Debby made landfall north of the local area along the Big Bend region of Florida near Steinhatchee around 7 AM EST on August 5th as a Category 1 hurricane with maximum sustained winds of 80 mph and a minimum pressure of 979 mb. Despite Debby���s track west of the Florida peninsula, impacts overspread the area from coastal locations spreading inland.|Storm surge affected the imme...
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Pinellas County, Florida:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Pinellas County, Florida that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.