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 78 St Petersburg neighborhoods and 1,065 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. 39 neighborhoods are majority high-risk; 33 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, jungle terrace, Floral Villa Estates, Town Apartments, Biltmore Terrace, Towns At Union, Fruitland Heights, Colonial Place, West Lake Pasadena, Washington Terrace, spring hill, Brentwood Heights, Bay Breeze Cove, Powers Central Park, Bayou Heights, Oak Ridge, Euclid Manor, North Euclid Oasis, Innovation Townhomes, Pasadena Park, Ridgewood Terrace, Bayview, Saffords, Allendale Terrace, Arcadia Annex, Belvidere, Whites Lake, Jungle Country Club, Stones Throw Condo, Hilltop Grove, Teresa Gardens, Roosevelt Park.

Majority high-risk neighborhoods

Shoreacres Center (100%), Waterside At Coquina Key South (100%), Mobel Americana Mobile Home Park Unrec (100%), Shore Acres Edgewater (100%), Eden Shores (100%), pallanza park (100%), Shore Acres (100%), Boca Ciega Point East (100%), sun plaza isles (100%), South Causeway Isle (100%), riviera bay (100%), North St Petersburg (100%), Patrician Point (100%), Snell Isle Brightbay (100%), Shore Acres Butterfly Lake (100%), Sun Lit Shores (100%), Maximo Moorings (100%), Snell Shores Manor (100%), North East Park Shores (100%), Snell Isle (100%), Placido Bayou (100%), North East Park Placido Shores (100%), Barcley Estates (100%), Five Towns Of St Pete (100%), Villas Of Carillon (100%), Bayway Isles (100%), Winston Park Northeast (100%), pasadena golf club estates (95%), Bahama Beach (93%), Coquina Key Townhomes (92%), Terrace Park Of Five Towns (85%), Meadow Lawn (78%), South Davista (78%), Pinellas Point (78%), Meadow Lawn (73%), lewis island (70%), Granada Terrace (67%), Davista (67%), Sheryl Manor (65%). 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, September 2026.