Real estate agents are in an ideal position to inform buyers about a property's flood risk and if flood insurance is required. The Pinellas County Real Estate Flood Disclosure Program is a joint effort between the County and its real estate professionals, through the Pinellas Realtor Organization (PRO), which covers the entire County, including its municipalities. There are three main components to the program: the Real Estate Flood Disclosure Application, the flood information and disclosure brochure , and Flood Disclosure and Map Service Center classes .
With input from representatives of the PRO, the County developed a real estate centered flood information and disclosure brochure . The brochure includes a fillable section for real estate professionals to enter the property's flood risk, evacuation level, and insurance requirement information. The online map service center contains all of the information needed to complete the brochure. Real estate professionals provide completed brochures to clients, countywide, to advise them about the flood hazard and flood insurance purchase requirement.
The County provides training to agents, which includes instruction on using the online Pinellas County Flood Map Service, to obtain flood information and how to complete the brochure. Training sessions, which are taught by County staff in coordination with PRO twice a year, also cover flood hazards, flood zones, evacuation zones, property protection, building regulations, preparedness, and flood insurance. Training sessions are posted on the PRO Calendar .
Special Flood Hazard Area (SFHA)
|High-risk zones||Moderate to low-risk zones|
|Begin with "A" or "V"||Begin with "X", "B", or "C"|
|Flood insurance required with federally backed mortgage||Flood insurance recommended|
|Shaded blue on Flood Map Information Service Center||
|100-year floodplain (1% annual chance of flooding)||
*Also areas where the flood hazard is undetermined, labeled as Zone "D".
Coastal Barrier Resources Act (CBRA)
The CBRA and its amendments prohibit most new federal expenditures that tend to encourage development or modification of coastal barriers. The main prohibition affecting property owners is the prohibition on federal flood insurance. Examples of prohibited federal assistance within System units include subsidies for road construction, channel dredging, and other coastal engineering projects. Federal flood insurance through the National Flood Insurance Program is available in a Coastal Barrier Resources System (CBRS) unit if the subject building was constructed (or permitted and under construction) before the CBRS unit's effective date. If an existing insured structure is substantially improved or damaged, the federal flood insurance policy will not be renewed.
- Real Estate Disclosure Program Participation Submittal for CRS credit:
Online Form Printable Form
- Real Estate Disclosure Program Participation Letters: Broker or Agent
- Real Estate Flood Information and Disclosure Brochure - En Español
- Real Estate Disclosure Program Training - Basics
- Real Estate Disclosure Program Training - Essentials
- Real Estate Disclosure Program Training - Handout
- Pinellas County Flood Information Presentation
- Pinellas County Program for Public Information
- Pinellas County New Owner Brochure
- Pinellas County New Owner Flyer