St Petersburg Flood Zones by Neighborhood

Flood zone decides two things for a buyer in St Petersburg: whether a lender will require flood insurance, and roughly what it costs. FEMA maps every parcel into a zone — X (and B/C) is low-to-moderate risk with no mandatory coverage; A-series zones (A, AE, AH, AO) are the Special Flood Hazard Area, the 1%-a-year floodplain, where coverage is mandatory with a federally backed mortgage. This page samples the listing addresses in each neighborhood against the current FEMA layer so you can see the pattern before you fall for a house.

Across 71 St Petersburg neighborhoods and 962 listing addresses checked against the FEMA National Flood Hazard Layer, 45% of addresses sit outside the Special Flood Hazard Area (Zone X), 55% are in A-series high-risk zones. 36 neighborhoods are majority high-risk; 27 sampled entirely outside the SFHA. In a high-risk zone, flood insurance is required with any federally backed mortgage and Florida’s Citizens policies now require it regardless of zone (all policies by 2027).

St Petersburg neighborhoods ranked by flood exposure

Share of sampled addresses by FEMA zone group. Sorted by high-risk share; n is the number of distinct addresses checked (minimum 8).

Sampled entirely outside the flood hazard area

Tyrone, Halls Central Ave, Floral Villa Estates, jungle terrace, Town Apartments, West Lake Pasadena, Towns At Union, Fruitland Heights, Brentwood Heights, Biltmore Terrace, Bayou Heights, spring hill, Euclid Manor, Oak Ridge, Colonial Place, Bay Breeze Cove, Innovation Townhomes, Stones Throw Condo, North Euclid Oasis, Vinsetta Park, Allendale Terrace, Pasadena Park, Ridgewood Terrace, grand central district townhomes, Bayview, brentwood heights, Teresa Gardens.

Majority high-risk neighborhoods

Mobel Americana Mobile Home Park Unrec (100%), Waterside At Coquina Key South (100%), Shoreacres Center (100%), Shore Acres Edgewater (100%), Eden Shores (100%), North St Petersburg (100%), Boca Ciega Point East (100%), pallanza park (100%), Shore Acres (100%), riviera bay (100%), South Causeway Isle (100%), Shore Acres Butterfly Lake (100%), Sun Lit Shores (100%), sun plaza isles (100%), Snell Isle Brightbay (100%), Placido Bayou (100%), Patrician Point (100%), Snell Shores Manor (100%), Maximo Moorings (100%), North East Park Shores (100%), North East Park Placido Shores (100%), Five Towns Of St Pete (100%), Snell Isle (100%), Villas Of Carillon (100%), Cove At Loggerhead Marina (100%), Winston Park Northeast (100%), pasadena golf club estates (94%), Bahama Beach (93%), Coquina Key Townhomes (91%), South Davista (87%), Terrace Park Of Five Towns (85%), Pinellas Point (78%), Meadow Lawn (73%), lewis island (72%), Granada Terrace (67%), Sheryl Manor (57%).

Expect a flood-insurance quote before you make an offer; elevation certificates matter here.

How to read this

These are shares of listing addresses we have checked, not parcel counts, and FEMA revises maps; a neighborhood at 0% can still contain a low lot. Always verify the specific address at msc.fema.gov. Source: FEMA National Flood Hazard Layer, address-level lookups compiled by Momentum Research, October 2026.