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Flood insurance cost · Pinellas County, FL

Flood insurance cost in Pinellas County, Florida

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 65,541 home policies in force on August 31, 2026.

Pinellas County, FloridaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,404a year

Half of insured homes paid between $856 and $3,187. That is 38% more than the Florida median ($1,017). Most insured homes here are rated in zone AE (69%).

$0$856 · $1,404 · $3,187$3,984
+9.1% vs Aug 31, 2025 (median $1,287)
65,541home policies in force
$2,290average cost (mean)
72%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Pinellas County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$3,475$1,232–$6,522$4,166872 (1%)+6.9%
Zone AE
High risk		$2,144$1,201–$4,091$2,87045,267 (69%)+8.4%
Zone A
High risk		$820$650–$1,116$941921 (1%)+5.4%
Zone AO
High risk, shallow		$2,186$816–$4,500$2,97642 (0%)+25.3%
Zone X
Moderate to low risk		$758$463–$1,095$84218,435 (28%)−1.2%

Not shown (fewer than 10 home policies): AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Pinellas County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home56,851$1,527$2,427
2–4 unit building1,547$2,242$2,987
Manufactured (mobile) home1,499$1,271$1,479
Condo or apartment unit5,644$708$931
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		4,115$6,723$11,657
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		3,374$3,572$5,385
73,030NFIP policies in force, any building
129,165insured units (condo association policies count every unit)
78%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Pinellas County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force68,35765,541−4.1%
Median annual cost$1,287$1,404+9.1%
Average annual cost$2,120$2,290+8.0%
All policies in force (any building)76,01173,030−3.9%

How many homes have flood insurance?

19.4%of all homes in Pinellas County have an NFIP policy
1181.3%of homes in high-risk zones (special flood hazard area) have one
391,677residential buildings counted by FEMA
4,807of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Pinellas County, Florida have filed 51,809 flood claims. 42,502 received a payment, for a total of $3.8 billion (an average of $88,494 per paid claim). The year with the most claims was 2024 (26,367 claims). Amounts are in dollars of the time, not adjusted for inflation.

010k20k30k40k1978: 52 claims, 26 paid, $137,982 in total1979: 979 claims, 708 paid, $2,991,237 in total1980: 101 claims, 56 paid, $97,236 in total19801981: 119 claims, 58 paid, $72,062 in total1982: 1,918 claims, 1,504 paid, $5,225,031 in total1983: 176 claims, 91 paid, $253,271 in total1984: 26 claims1985: 6,075 claims, 4,898 paid, $51,424,478 in total19851986: 125 claims, 84 paid, $214,172 in total1987: 105 claims, 57 paid, $134,923 in total1988: 1,009 claims, 621 paid, $3,251,677 in total1989: 17 claims1990: 17 claims19901991: 66 claims, 36 paid, $135,291 in total1992: 92 claims, 34 paid, $170,787 in total1993: 3,133 claims, 2,514 paid, $40,569,585 in total1994: 25 claims1995: 362 claims, 239 paid, $2,597,054 in total1996: 3,551 claims, 3,061 paid, $50,015,685 in total19961997: 240 claims, 134 paid, $602,578 in total1998: 180 claims, 80 paid, $462,132 in total1999: 275 claims, 201 paid, $1,959,780 in total2000: 289 claims, 177 paid, $1,695,159 in total20002001: 172 claims, 62 paid, $340,374 in total2002: 99 claims, 46 paid, $312,816 in total2003: 115 claims, 53 paid, $313,835 in total2004: 632 claims, 370 paid, $4,605,434 in total2005: 72 claims, 30 paid, $347,523 in total2006: 187 claims, 152 paid, $2,692,503 in total2007: 35 claims, 14 paid, $211,662 in total2008: 25 claims2009: 29 claims, 15 paid, $103,486 in total2010: 41 claims, 12 paid, $238,778 in total20102011: 102 claims, 48 paid, $1,047,058 in total2012: 628 claims, 403 paid, $6,689,877 in total2013: 57 claims, 26 paid, $216,327 in total2014: 22 claims2015: 146 claims, 80 paid, $861,513 in total2016: 266 claims, 141 paid, $2,564,363 in total2017: 277 claims, 56 paid, $1,140,556 in total2018: 41 claims, 14 paid, $242,009 in total2019: 57 claims, 24 paid, $484,898 in total2020: 1,100 claims, 933 paid, $51,227,413 in total20202021: 37 claims2022: 66 claims2023: 2,237 claims, 1,980 paid, $142,062,090 in total2024: 26,367 claims, 23,409 paid, $3,382,653,076 in total20242025: 51 claims2026: 16 claims
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202616<10––
202551<10––
202426,36723,409$3,382,653,076$144,502
20232,2371,980$142,062,090$71,749
202266<10––
202137<10––
20201,100933$51,227,413$54,906
20195724$484,898$20,204
20184114$242,009$17,286
201727756$1,140,556$20,367
2016266141$2,564,363$18,187
201514680$861,513$10,769
201422<10––
20135726$216,327$8,320
2012628403$6,689,877$16,600
201110248$1,047,058$21,814
20104112$238,778$19,898
20092915$103,486$6,899
200825<10––
20073514$211,662$15,119
2006187152$2,692,503$17,714
20057230$347,523$11,584
2004632370$4,605,434$12,447
200311553$313,835$5,921
20029946$312,816$6,800
200117262$340,374$5,490
2000289177$1,695,159$9,577
1999275201$1,959,780$9,750
199818080$462,132$5,777
1997240134$602,578$4,497
19963,5513,061$50,015,685$16,340
1995362239$2,597,054$10,866
199425<10––
19933,1332,514$40,569,585$16,137
19929234$170,787$5,023
19916636$135,291$3,758
199017<10––
198917<10––
19881,009621$3,251,677$5,236
198710557$134,923$2,367
198612584$214,172$2,550
19856,0754,898$51,424,478$10,499
198426<10––
198317691$253,271$2,783
19821,9181,504$5,225,031$3,474
198111958$72,062$1,242
198010156$97,236$1,736
1979979708$2,991,237$4,225
19785226$137,982$5,307

From 2016 to 2026: 30,515 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

ZIP codes in Pinellas County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

St. Petersburg (21,444 home policies) · Unincorporated Pinellas County (17,433 home policies) · Clearwater (3,706 home policies) · Oldsmar (2,507 home policies) · St. Pete Beach (2,257 home policies) · Pinellas Park (2,242 home policies)