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Flood Figures

ZIP 33703 flood insurance data

Computed from OpenFEMA FIMA NFIP Redacted Policies (v2) and OpenFEMA FIMA NFIP Redacted Claims (v2). Policy data as of June 1, 2026; claims recorded through June 1, 2026.

As of June 1, 2026, 6,329 NFIP flood insurance policies are in force in ZIP 33703 (Saint Petersburg, FL), with 7,742 flood claims recorded since 1978.

Policies & premiums

Policies in force
6,329
Median annual premium
$2,400
premium only
Median annual cost
$2,871
premium + fees & surcharges
Mean annual premium
$2,820
premium only
Policies in SFHA zones
96.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,364,875,600
Contents coverage in force
$271,062,000

"Premium" is the policy premium alone; "cost" adds federal fees and surcharges. In-force counts are an approximation derived from policy effective, termination, and cancellation dates — see methodology.

Flood zones of insured properties

NFIP policies in ZIP 33703 by rated flood zone
Policies Share Share bar
AE 5,464 86.3%
A 541 8.5%
X 312 4.9%
VE 6 0.1%
A09 3 0.0%
A07 1 0.0%
B 1 0.0%
A01 1 0.0%

Distribution of insured properties by the flood zone used in their policy rating — not a map of land area. Numbered zones (A1–A30, V1–V30) and Zones B and C appear on older FEMA map panels; B and C correspond to today's shaded and unshaded Zone X.

What the policies cover

NFIP policies in ZIP 33703 by occupancy type
Policies Share Share bar
Single-family homes 4,895 77.3%
Multi-unit buildings 1,168 18.5%
Units in multi-unit buildings 181 2.9%
Non-residential buildings 82 1.3%
Mobile homes 3 0.0%

Claims history since 1978

Claims since 1978
7,742
Total paid
$563,283,329
Paid on buildings
$470,900,900
Paid on contents
$91,557,105
NFIP claims filed per year in ZIP 33703, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 2 $15,642
1979 38 $17,268
1980 2 $2,601
1981 9 $5,487
1982 382 $1,648,811
1983 4 $941
1984 4 $2,668
1985 1,246 $16,449,536
1986 8 $5,759
1987 5 $7,746
1988 48 $19,303
1989 2 $0
1990 5 $1,447
1991 1 $0
1992 4 $0
1993 38 $90,582
1995 9 $7,661
1996 1,082 $21,262,003
1997 10 $4,206
1998 16 $15,141
1999 15 $64,299
2000 20 $46,316
2001 16 $15,928
2002 7 $7,856
2003 2 $30,369
2004 236 $2,852,097
2005 3 $1,093
2006 7 $37,754
2007 3 $0
2009 2 $4,271
2010 2 $0
2011 5 $0
2012 36 $289,820
2013 2 $861
2014 1 $0
2015 6 $17,112
2016 10 $20,485
2017 10 $18,704
2018 3 $0
2019 1 $20,122
2020 378 $19,324,821
2021 2 $0
2022 8 $0
2023 843 $69,090,551
2024 3,206 $431,884,070
2025 3 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2024 3,206 $431,884,070
2023 843 $69,090,551
1996 1,082 $21,262,003

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