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Flood Figures

ZIP 33705 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, 3,638 NFIP flood insurance policies are in force in ZIP 33705 (Saint Petersburg, FL), with 1,080 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,638
Median annual premium
$2,094
premium only
Median annual cost
$2,400
premium + fees & surcharges
Mean annual premium
$2,560
premium only
Policies in SFHA zones
83.4%
zones A, AE, AH, AO, V, VE
Building coverage in force
$730,489,600
Contents coverage in force
$128,292,000

"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 33705 by rated flood zone
Policies Share Share bar
AE 2,989 82.2%
X 468 12.9%
A 144 4.0%
VE 34 0.9%
V 2 0.1%
A07 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 33705 by occupancy type
Policies Share Share bar
Single-family homes 2,291 63.0%
Multi-unit buildings 1,179 32.4%
Units in multi-unit buildings 129 3.5%
Non-residential buildings 35 1.0%
Mobile homes 4 0.1%

Claims history since 1978

Claims since 1978
1,080
Total paid
$66,451,941
Paid on buildings
$57,123,848
Paid on contents
$9,247,627
NFIP claims filed per year in ZIP 33705, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 5 $1,031
1980 2 $775
1981 2 $0
1982 22 $29,243
1983 3 $0
1985 102 $429,395
1986 3 $2,350
1987 2 $155
1988 31 $61,275
1990 1 $0
1993 8 $17,115
1994 1 $0
1995 3 $207
1996 36 $276,695
1997 15 $3,863
1998 2 $532
1999 1 $0
2000 3 $10,495
2001 9 $6,824
2002 3 $0
2003 1 $0
2004 10 $27,908
2005 4 $0
2009 1 $0
2010 1 $0
2011 1 $0
2012 2 $1,958
2013 1 $0
2016 11 $20,202
2017 5 $92
2018 3 $0
2019 1 $985
2020 4 $180,908
2023 22 $1,163,017
2024 756 $64,216,917
2025 3 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2024 756 $64,216,917
2023 22 $1,163,017
1985 102 $429,395

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