Real Estate Flood Disclosure Program

To participate in the Real Estate Disclosure Program, complete the online form or printable form.

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:

Real estate professionals provide completed brochures to clients to advise them about the flood hazard and flood insurance purchase requirements.

Special Flood Hazard Area (SFHA)

SFHANon-SFHA
High-risk zonesModerate to low-risk zones
Begin with A or VBegin with X, B or C
Flood insurance is required with a federally-backed mortgageFlood insurance is recommended
Shaded blue on Flood Map Information Service CenterModerate risk (shaded X zones)
100-year floodplain (1% annual chance of flooding)Low Risk – Unshaded on Flood Map Information Service Center

*Also areas where the flood hazard is undetermined, labeled as Zone D.

High flood risk areas are in blue and have a 1 in 4 chance of flooding during a 30-year mortgage. Moderate risk areas are in orange. Low risk areas have no shading.

Coastal Barrier Resources Act (CBRA)

The Coastal Barrier Resources Act (CBRA) and its amendments prohibit most new federal expenditures that tend to encourage the 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 CBRS unit if the 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.

View CBRA Frequently Asked Questions

Resources