Flood Claims Map

Florida

Flood insurance claims in Pinellas County, Florida

FEMA records 51,779 National Flood Insurance Program claims in Pinellas County, Florida, since 1978, with $3.76 billion paid in total. The year with the most claims was 2024, with 26,366. As of 3 August 2026, 19.4% of homes here had an NFIP policy.

NFIP claims on record51,779
Total paid$3.76 billion
Claims with a payment42,476
Homes with NFIP policy19.4%
High-risk zone homes insuredn/a
Residential policies in force76,020

Claims by year of loss

1978: 5219781979: 9741980: 1011981: 1181982: 1,91019821983: 1731984: 261985: 6,0641986: 12519861987: 1051988: 1,0091989: 171990: 1719901991: 661992: 921993: 3,1331994: 2519941995: 3621996: 3,5511997: 2401998: 18019981999: 2752000: 2892001: 1722002: 9920022003: 1152004: 6322005: 722006: 18720062007: 352008: 252009: 292010: 4120102011: 1022012: 6282013: 572014: 2220142015: 1462016: 2662017: 2762018: 4120182019: 572020: 1,1002021: 372022: 6620222023: 2,2372024: 26,3662025: 512026: 16202626,366

NFIP claims by year of loss, Pinellas County, Florida

1978: $137,98219781979: $3.0 million1980: $97,2361981: $72,0351982: $5.2 million19821983: $250,7371984: $5,5181985: $51.4 million1986: $214,17219861987: $134,9231988: $3.3 million1989: $24,4231990: $5,16319901991: $135,2911992: $170,7871993: $40.6 million1994: $15,15119941995: $2.6 million1996: $50.0 million1997: $602,5781998: $462,13219981999: $2.0 million2000: $1.7 million2001: $340,3742002: $312,81620022003: $313,8352004: $4.6 million2005: $347,5232006: $2.7 million20062007: $211,6622008: $42,5582009: $103,4862010: $238,77820102011: $1.0 million2012: $6.7 million2013: $216,3272014: $149,32820142015: $861,5132016: $2.6 million2017: $1.1 million2018: $242,00920182019: $484,8982020: $51.2 million2021: $81,8262022: $99,30520222023: $142.1 million2024: $3.38 billion2025: $206,8992026: $163,1922026$3.38 billion

Paid on claims by year of loss (building, contents and increased cost of compliance), Pinellas County, Florida

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Helene23,452
Hurricane Elena5,881
Hurricane Josephine3,458
Blizzard of 19933,067
Hurricane Milton2,578
Flooding2,032
Hurricane Idalia1,987
The 'No-Name Storm'1,762

ZIP codes with the most claims

ZIP code (as reported)Claims
337037,742
337087,626
337067,274
337023,490
337852,663
337672,248
337072,239
346981,654
346891,477
346831,378

48,876 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.24 billion, contents $516.7 million, increased cost of compliance $6.9 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone4,80756,785n/a
All homes391,67776,02019.4%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.