Flood insurance cost · ZIP 33705 · FL

Flood insurance cost in ZIP 33705 (St. Petersburg, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,475 home policies in force on August 31, 2026.

ZIP code 33705 (St. Petersburg, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$2,390a year

Half of insured homes paid between $1,267 and $3,842. That is 70% more than the Pinellas County median ($1,404). Most insured homes here are rated in zone AE (82%).

$0$1,267 · $2,390 · $3,842$4,802

+7.9% vs Aug 31, 2025 (median $2,216)

2,475home policies in force

$2,767average cost (mean)

82%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 ZIP code 33705

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone VE / V High risk, coastal	$4,432	$1,377–$7,334	$4,830	14 (1%)	+29.9%
Zone AE High risk	$2,831	$1,564–$4,128	$3,097	2,027 (82%)	+6.5%
Zone X Moderate to low risk	$1,232	$868–$1,308	$1,161	434 (18%)	+15.1%

Not shown (fewer than 10 home policies): A, AO, 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 ZIP code 33705, by what they insure.

Type of building	Policies	Median	Average
Single-family home	2,247	$2,535	$2,890
2–4 unit building	103	$1,309	$2,071
Condo or apartment unit	122	$1,038	$1,126
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.	112	$14,322	$14,705
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	38	$3,220	$4,521

Not shown (fewer than 10 policies): manufactured (mobile) home.

2,625NFIP policies in force, any building

3,533insured units (condo association policies count every unit)

70%of home policies also cover contents

$81,000median contents coverage, when bought

One year on: ZIP code 33705

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, 2025	Aug 31, 2026	Change
Home policies in force	2,610	2,475	−5.2%
Median annual cost	$2,216	$2,390	+7.9%
Average annual cost	$2,577	$2,767	+7.4%
All policies in force (any building)	2,898	2,625	−9.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 33705 have filed 1,081 flood claims. 807 received a payment, for a total of $66.6 million (an average of $82,551 per paid claim). The year with the most claims was 2024 (756 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (9)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2024	756	613	$64,383,809	$105,031
2023	22	17	$1,163,017	$68,413
2016	11	<10	–	–
2004	10	<10	–	–
1997	15	<10	–	–
1996	36	31	$276,695	$8,926
1988	31	18	$61,275	$3,404
1985	102	76	$429,395	$5,650
1982	22	14	$29,243	$2,089

From 2016 to 2026: 789 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.

NFIP communities in this ZIP code

St. Petersburg (2,475 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.