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 74 St Petersburg neighborhoods and 982 listing addresses checked against the FEMA National Flood Hazard Layer, 44% of addresses sit outside the Special Flood Hazard Area (Zone X), 56% are in A-series high-risk zones. 38 neighborhoods are majority high-risk; 28 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, jungle terrace, Halls Central Ave, Town Apartments, Floral Villa Estates, West Lake Pasadena, Towns At Union, Fruitland Heights, spring hill, Brentwood Heights, Colonial Place, Biltmore Terrace, Bayou Heights, Oak Ridge, Bay Breeze Cove, Powers Central Park, Euclid Manor, Ridgewood Terrace, Innovation Townhomes, North Euclid Oasis, Vinsetta Park, Allendale Terrace, Pasadena Park, Saffords, Arcadia Annex, Bayview, Stones Throw Condo, Teresa Gardens.

Majority high-risk neighborhoods

Mobel Americana Mobile Home Park Unrec (100%), Shoreacres Center (100%), Waterside At Coquina Key South (100%), Shore Acres Edgewater (100%), Eden Shores (100%), Boca Ciega Point East (100%), pallanza park (100%), Shore Acres (100%), North St Petersburg (100%), sun plaza isles (100%), South Causeway Isle (100%), Shore Acres Butterfly Lake (100%), riviera bay (100%), Sun Lit Shores (100%), Patrician Point (100%), Snell Isle Brightbay (100%), Snell Shores Manor (100%), North East Park Shores (100%), Maximo Moorings (100%), North East Park Placido Shores (100%), Placido Bayou (100%), Five Towns Of St Pete (100%), Snell Isle (100%), Villas Of Carillon (100%), Barcley Estates (100%), Bayway Isles (100%), Winston Park Northeast (100%), pasadena golf club estates (94%), Bahama Beach (93%), Coquina Key Townhomes (91%), Terrace Park Of Five Towns (85%), Meadow Lawn (78%), South Davista (78%), Pinellas Point (75%), lewis island (74%), Meadow Lawn (73%), Granada Terrace (67%), Sheryl Manor (60%).

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.