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Flood history · Saint Petersburg, FL 33715

Flood insurance claims in Saint Petersburg, FL 33715

443 claims since 1980 and $15.8 million paid. Here's what the public record shows, and how to check a specific address.

443flood insurance claims since 1980
$15.8 millionpaid to policyholders
$68,501average paid claim
318claims in the last 10 years
2%of claims outside high-risk zones
#239of 1,142 Florida ZIP codes by claims

Claims by year

Every NFIP flood insurance claim reported in ZIP 33715 since 1978.

1980: 1 claims1981: 2 claims1982: 13 claims1985: 27 claims1986: 5 claims1988: 6 claims1991: 1 claims1992: 1 claims1993: 12 claims1994: 1 claims1995: 3 claims1996: 11 claims1997: 5 claims1998: 2 claims1999: 3 claims2000: 4 claims2001: 9 claims2003: 3 claims2004: 5 claims2005: 1 claims2012: 2 claims2013: 1 claims2014: 1 claims2016: 6 claims2017: 2 claims2018: 2 claims2020: 4 claims2021: 3 claims2022: 3 claims2023: 2 claims2024: 301 claims2025: 1 claims19801990200020102020

What the record says

Almost all claims here (98%) were on properties in high-risk zones (A or V). In those zones, federally regulated lenders require flood insurance.

One event dominates the record: Hurricane Helene accounts for 56% of all claims in this ZIP code.

Flooding here is recent: 318 claims (72%) were in the last 10 years.

The most commonly recorded cause is heavy rain or snowmelt collecting faster than it drains, which can happen far from any river or coast.

Pinellas County * takes part in FEMA's Community Rating System (class 2), which can lower flood insurance premiums by up to 40% in high-risk zones.

Biggest flood events

EventYearClaimsShare
Hurricane Helene202424756%
Hurricane Milton20245011%
Hurricane Elena1985245%
The 'No-Name Storm'1982133%
Blizzard of 19931993123%
Hurricane Josephine199692%

Flood zone at time of claim

High-risk zones (A, V)98% · 434
Moderate or minimal risk (X, B, C)2% · 9

NFIP communities

Pinellas County *CRS class 2 · up to 40% off
St. Petersburg, City OfCRS class 5 · up to 25% off
Manatee County *CRS class 5 · up to 25% off

Federal disaster declarations in Pinellas County

Flood, hurricane and storm declarations since 2000.

Hurricane MiltonHurricane · Major disaster · 2024-10-11
Hurricane MiltonHurricane · Emergency · 2024-10-07
Hurricane HeleneHurricane · Major disaster · 2024-09-28
Tropical Storm HeleneTropical Storm · Emergency · 2024-09-24
Hurricane DebbyTropical Storm · Major disaster · 2024-08-10
Tropical Storm DebbyTropical Storm · Emergency · 2024-08-03

25 flood, storm or hurricane declarations for Pinellas County since 2000.

Check a specific address in Saint Petersburg.

ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.

Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.

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