Much of Pinellas County is prone to flooding, so you should consider getting flood insurance for your home, business, or rental.
National Flood Insurance Program protects your most important investment–your home or business and its contents. The insurance is considerably less expensive than federal disaster loans and it’s 100 percent backed by the U.S. government.
Flood insurance covers you for damage to your home, business and contents due to surface accumulation of water from inland or tidal flooding and erosion due to flooding.
Don't assume that you're safe from flooding just because you live on the third floor of your condo building. If a severe flood wipes out the ground floor of your building, all of the other units in the building (including your own) may become uninhabitable as well.
Flood insurance has a 30-day wait period before coverage starts, so you will not be insured if you wait until a flood forecast to take out your policy.
Flood insurance rates are calculated based on a variety of factors, including FEMA flood zone, structure elevation, and building construction. Policies can be purchased for contents only, building only, or both contents and building coverage. Getting an Elevation Certificate will help agents properly rate your policy.
Many NFIP policies provide subsidized premiums, which are much lower than the actuarial premium, which is the actual expected value of the loss. Because costs and consequences of flooding have increased, on March 21, 2014 the President signed the Homeowner Flood Insurance Affordability Act of 2014. This law may have impacts to your flood insurance rates and you may receive a letter from FEMA requesting an Elevation Certificate so that they can determine your true risk rate. The County recommends that you check with your insurance agent to verify any changes to your policy.
You are eligible to purchase flood insurance as long as your community participates in the National Flood Insurance Program . You are also eligible for a discounted rate if your community participates in the Community Rating System.
Before a Flood:
After a Flood: