Check YOUR Exact Address in St. Petersburg
St. Petersburg, FL Flood Zone Map
Is St. Petersburg in a flood zone? Yes -- about 44% of its mapped area is in a FEMA high-risk flood zone (Special Flood Hazard Area). FEMA NFHL data shows the mapped zone breakdown below. FEMA OpenFEMA NFIP Redacted Claims v3 records 199,482 claims in Florida since 2016; 15% of all recorded Florida claims are outside high-risk zones (claims data fetched 2026-10-06).
Sources: FEMA NFHL; US Census TIGERweb; FEMA OpenFEMA NFIP Redacted Claims v3.
Data as of Oct 6, 2026 (FEMA OpenFEMA NFIP claims)
Published by checkmyfloodzone.com. Last updated: .
- High risk
- Moderate
- Lower risk
- Not mapped
Flood Zone Breakdown for St. Petersburg
About 44% of the mapped area in St. Petersburg falls within a FEMA Special Flood Hazard Area (high-risk or moderate-risk flood zone). The breakdown by zone:
- AE 31% Zone AE
- VE 13% Zone VE
- A 0% Zone A
- OPEN WATER 44% Zone OPEN WATER
- X 13% Zone X
Mapped Waterways Near St. Petersburg
FEMA NFHL mapped zones: A, AE, AH, AO, OPEN WATER, VE, X; US Census TIGERweb water features: Long Byu, Bear Crk, Creek No 7.. The FEMA NFHL fixture maps zones A, AE, AH, AO, OPEN WATER, VE, X within the St. Petersburg, Florida area. US Census TIGERweb maps Long Byu, Bear Crk, Creek No 7 in the same extent. These layers describe area-wide patterns; check an exact address for a property-level flood-zone result.
- Long Byu
- Bear Crk
- Creek No 7
- Allen Crk
- Cnl No 2
- Cross Bayou Cnl
- Long Branch Crk
- Cnl No 15
Flood Zone Details for St. Petersburg
| Zone | Risk level | Area | Insurance |
|---|---|---|---|
| AE | High-risk riverine or coastal flood zone with a computed base flood elevation (BFE). About a 1-in-100 chance of flooding each year. | 31% | Flood insurance is typically required for federally backed mortgages. |
| VE | Coastal high-hazard zone with wave action. This is the highest-risk designation -- expect storm surge plus breaking waves. | 13% | Flood insurance is required for federally backed mortgages and is especially important here. |
| A | High-risk flood zone without a detailed BFE study. About a 1-in-100 chance of flooding each year. | 0% | Flood insurance is typically required for federally backed mortgages. |
| OPEN WATER | Flood zone as mapped by FEMA. | 44% | Consult your lender and local floodplain office. |
| X | Lower-risk zone outside the 1% annual chance flood boundary. Flooding is still possible but less likely than in high-risk zones. | 13% | Flood insurance is not required but may still be a smart choice -- nearly one-third of flood claims (29% over 2014-2024) come from lower-risk areas. |