Updated November 4, 2026
Know your two zones
Pinellas County stresses that flood zones and evacuation zones are different. Use the Pinellas County Flood Map Service to see your FEMA flood zone, and the Know Your Zone tool for your evacuation zone. The County also provides storm surge maps and coastal and riverine water level information. The County states that everyone in Pinellas is in a flood zone, and that a few inches of water can cause major damage.
Check insurance well before a storm
A new flood policy generally takes 30 days to take effect, so don't wait for a named storm. Review both homeowners and flood policies: deductibles, limits, and whether building and contents are covered. Pinellas County and most of its cities take part in the NFIP Community Rating System, which may mean a discount of up to 25 percent on flood premiums. Your agent can explain what applies. See our flood vs. homeowners insurance guide.
Home preparations the County suggests
- Clear gutters regularly and keep storm drains free. Only rain belongs in the drain.
- Install sewer line check valves.
- Elevate equipment such as water heaters and AC units, and raise electrical switches, outlets and breakers.
- Download the Ready Pinellas app and sign up for Alert Pinellas notifications.
- Monitor local news or NOAA weather radio (162.450 or 162.550 MHz).
Before a remodel, check whether it triggers the substantial improvement (50 percent) rule, which can require elevating the building. See our substantial damage guide.
Document your home before the storm
Photos and video of each room, the roof, the exterior and your valuables, stored somewhere safe like cloud storage, make it easier to prove condition and contents later. Keep a copy of your policy declarations pages, agent contact and claim phone numbers where you can reach them without power. FEMA's claim guidance suggests documenting appliance make, model and serial numbers, so add those now.
Know where the water will come from
Water damage in Pinellas can come from storm surge, heavy rain, wind-driven rain through a damaged roof or windows, or backed-up drains. A different insurance policy may respond to each, which is why it pays to read your coverage in advance. The County notes that Zone V and Coastal A areas can see 1.5- to 3-foot breaking waves in base flood conditions, so specific building criteria apply there.
After the storm: first moves
Return only when officials say it is safe. Turn off the main power if you can do so from a dry spot, and have an electrician inspect before power is restored. Photograph the damage before you clean up, report your loss promptly, and start drying. If you couldn't dry things within 24 to 48 hours, the CDC says to assume mold is growing. Our first 48 hours guide covers each step.
If you need local help, the free form on this site passes your request to TheBayPros, and there is no cost or obligation to you.
A one-page prep list
- Look up your flood zone and your evacuation zone.
- Review your homeowners and flood policies with your agent.
- Photograph your home and valuables, and store copies off-site.
- Clear gutters and drains, and ask a plumber about check valves.
- Sign up for Alert Pinellas and download the Ready Pinellas app.
- Save phone numbers for your insurer, agent and the County's floodplain office.
Think about the water that enters from above
Wind-driven rain can get in through damaged roofing, windows and doors. A tidy, properly maintained roof and sealed openings help. After a storm, a temporary cover over a roof opening can limit further damage, and your policy may expect you to take reasonable steps to protect the property. Keep receipts for temporary repairs, and be careful about contractors who knock on doors offering free inspections in exchange for a signed contract.
Special note for renters and condo owners
Renters policies generally do not cover flood either, according to Pinellas County, and a landlord's insurance does not typically cover your belongings. Condo owners should ask the association what the master policy covers and what your own policy must cover. Contents flood coverage can be purchased separately, so ask an agent.
Frequently asked questions
How do I find my flood zone?
Use the Pinellas County Flood Map Service or FEMA's flood maps. Floodplain Management at (727) 464-7700 can answer questions.
Is my flood zone the same as my evacuation zone?
No. They are separate. Use the County's Know Your Zone tool for evacuation zones.
What is a sewer check valve?
Pinellas County suggests installing sewer line check valves as one way to help limit backups during flooding. Ask a licensed plumber about your home.
Can I buy flood insurance right before a storm?
A new policy generally takes 30 days to take effect.