New FEMA flood insurance rate map going into effect in August

Residents encouraged to look up their property and understand flood risk


  • New FEMA flood insurance rate map effective on Aug. 24, 2021

  • Public can view pending maps at

  • Property owners encouraged to talk to flood insurance agent and obtain flood insurance before Aug. 24 to avoid potentially higher rates later

  • Flood insurance purchasing assistance available to residents


The Federal Emergency Management Administration (FEMA) updated the Flood Insurance Rate Map (FIRM) for the coastal areas of Pinellas County. The new map will be effective on Aug. 24, 2021.


Pinellas County Floodplain Management encourages property owners to find out if their flood zone or base flood elevation (BFE) is changing. The public can view the pending maps at


If the flood zone or BFE for a property changes, the flood insurance rate and the requirement to carry a flood policy may also change. By law, federally regulated or insured mortgage lenders require flood insurance on buildings that are located in areas at high risk of flooding. Standard homeowners, business owners, and renters’ insurance policies typically don’t cover flood damage; consequently, flood insurance for financial protection is an important consideration for everyone subject to flood risks.


Pinellas County Floodplain Management also encourages property owners to contact their flood insurance agent to determine how the new maps will affect their flood insurance premiums and ensure they secure the lowest available rate. Call the National Flood Insurance Program Help Center at 800-427-4661, visit, or contact a Flood Insurance Advocate ( for more information.