Does Ulmerton flood?
Ulmerton, Largo, FL · ZIP codes 33771 and 33773: the ZIP codes on most of the flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Ulmerton have filed flood claims. About 14% of Ulmerton’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 99 claims from the Census block groups that cover Ulmerton, from 1979 through 2024. 87 of them received a payment, totaling $26,951,982 (not adjusted for inflation). The busiest years were 2024 (85 claims), 1979 (3 claims), 2006 (2 claims).
What this page counts as Ulmerton
We could not find an openly licensed official boundary for Ulmerton, so this page uses a census-based area. For this page, Ulmerton means the 2010 Census block groups whose center lies within 1.6 km (1.0 miles) of the U.S. Geological Survey (GNIS) map point for Ulmerton (feature 301465) and inside the Largo city limits (U.S. Census Bureau), each block group going to the nearest of the places we cover. Every number below is for exactly those block groups (listed in “How these numbers were made”), so the edges are approximate and may include or leave out a few blocks people would call Ulmerton. Sources: U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
Past claims do not predict future flooding, and a neighborhood figure cannot tell you about one building. Look up the exact address on the FEMA Flood Map Service Center and get flood insurance quotes before you sign a lease or a contract.
Check a specific address in Ulmerton
Neighborhood figures are averages. Our address check looks up the FEMA flood zone and the hurricane evacuation zone at one address, from the same public maps: check if your address is in a flood zone.
Flood zones street by street in Ulmerton
The named streets in Ulmerton, longest first, with how much of each street’s length inside Ulmerton lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Ulmerton; the main zone is the FEMA zone covering most of that length. A street can cross several zones, so the zone at one address can differ from the street’s main zone: check the address above for that. 60 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Ulmerton Rd | 1.4 mi | 0.0% | X (unshaded, minimal) (91%) |
| Starkey Rd | 1.4 mi | 0.0% | X (unshaded, minimal) (91%) |
| Lake Ave SE | 4,540 ft | 18% | X (unshaded, minimal) (73%) |
| 126th Ave N | 4,370 ft | 0.0% | X (unshaded, minimal) (83%) |
| Country Club Dr | 2,800 ft | 69% | AE (69%) |
| 20th Ave SE | 2,710 ft | 0.0% | X (unshaded, minimal) (100%) |
| 16th Ave SE | 2,670 ft | 0.0% | X (unshaded, minimal) (97%) |
| Wild Acres Rd | 2,650 ft | 0.0% | X (unshaded, minimal) (100%) |
| 127th Ave | 2,600 ft | 0.0% | X (unshaded, minimal) (71%) |
| Cumberland Dr | 2,570 ft | 0.0% | X (unshaded, minimal) (100%) |
| Whittington Ct | 2,450 ft | 0.0% | X (unshaded, minimal) (100%) |
| Thoroughbred Loop | 2,400 ft | 0.0% | X (unshaded, minimal) (100%) |
| 127th Pl | 2,200 ft | 0.0% | X (unshaded, minimal) (87%) |
| 130th Ave | 2,010 ft | 0.0% | X (unshaded, minimal) (100%) |
| 127th Ave N | 1,920 ft | 0.0% | X (unshaded, minimal) (87%) |
| 127th Pl N | 1,920 ft | 0.0% | X (unshaded, minimal) (85%) |
| Seminole Blvd | 1,800 ft | 0.0% | X (unshaded, minimal) (100%) |
| 95th St | 1,780 ft | 23% | X (unshaded, minimal) (47%) |
| Highland Ave | 1,730 ft | 54% | AE (54%) |
| Country Club Rd | 1,580 ft | 59% | AE (59%) |
| Countryclub Dr | 1,580 ft | 59% | AE (59%) |
| Circle Dr | 1,460 ft | 90% | AE (90%) |
| Point West Way | 1,430 ft | 0.0% | X (unshaded, minimal) (100%) |
| Wrens Way | 1,420 ft | 0.0% | X (unshaded, minimal) (100%) |
| Wild Oaks Cir | 1,420 ft | 0.0% | X (unshaded, minimal) (100%) |
Streets: U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads). Flood zones: FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, retrieved October 30, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Ulmerton
Share of Ulmerton’s mapped area (about 5.566 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Mapped base flood elevations inside the neighborhood range from 9 to 11 feet. Effective date of the FIRM panel(s) covering it (12103C0117J, 12103C0118H, 12103C0119H, 12103C0138H): August 24, 2021.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 73% |
| AE | 14% |
| X (shaded, 0.2% annual chance) | 12% |
What the zones mean
- Zone AE (and A, AH, AO)
- High-risk: part of the Special Flood Hazard Area (SFHA), the area FEMA maps as having a 1-percent chance of flooding in any given year (the “100-year” or base flood). AE areas have a mapped base flood elevation.
- Zone VE (and V)
- High-risk coastal areas, also in the SFHA, where the base flood is expected to bring additional hazards from storm waves.
- Zone X (shaded)
- Moderate hazard: between the limits of the 1-percent and the 0.2-percent-annual-chance (“500-year”) flood.
- Zone X (unshaded)
- Minimal hazard: outside the SFHA and higher than the 0.2-percent-annual-chance flood elevation. Minimal is not zero: flood claims are filed from X zones too.
Source: FEMA Glossary: Flood Zones.
Flood insurance claims over time
Claims filed under the National Flood Insurance Program (NFIP) from the 2010 Census block groups that cover Ulmerton. This area is made of whole block groups, so every claim counted here comes from inside it. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1970s | 3 | $5,251 |
| 1980s | 3 | $1,296 |
| 1990s | 4 | $5,315 |
| 2000s | 2 | $3,444 |
| 2010s | 2 | $10,572 |
| 2020s | 85 | $26,926,104 |
By year of loss
Named flood events with the most claims
- Hurricane Milton: 85 claims
- Flooding: 5 claims
- Tropical Storm Debby: 1 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 87
- X/B/C (moderate or minimal): 9
- Other (D): 3
How much is flood insurance in Ulmerton?
The typical National Flood Insurance Program policy on single-family homes in Ulmerton costs $1,154 a year: the median of 23 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,051 and $1,269. That is the full amount paid for the year, the premium plus FEMA’s fees and surcharges, and every one of these policies is priced under Risk Rating 2.0. A quote for one building can be far from this: its elevation, foundation, age, coverage and deductible all change the price. Private flood insurance is not included.
Source: FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3, computed October 30, 2026.
Insurance agency or real estate agent? Sponsor this page.
Hurricane evacuation zone
About 49% of the land in Ulmerton’s property parcels is in Zone D of Pinellas County’s storm surge evacuation zones (Pinellas County Emergency Management, Parcel Evacuation (evacuation zone of each property parcel)).
| Zone | What the county says it means | Share of Ulmerton’s parcel land |
|---|---|---|
| Zone A | see the county’s zone description | 8.6% |
| Zone B | see the county’s zone description | 12% |
| Zone C | see the county’s zone description | 22% |
| Zone D | see the county’s zone description | 49% |
| Zone E | see the county’s zone description | 1.6% |
| Mobile home parcels | parcels the county lists as mobile homes | 4.8% |
| Not in any zone | outside the county’s storm surge evacuation zones | 2.6% |
Pinellas County assigns evacuation zones parcel by parcel, so these shares are of the land in property parcels that carry a zone value, about 87% of Ulmerton’s mapped area (streets and open water are not parcels; parcels the county leaves without any value, such as some beaches, parks and common land, about 2.7% of the area, are left out). Stacked condominium parcels are counted once.
Zones can split a street. Confirm the exact address with the county (Pinellas County: Know Your Zone) and follow official evacuation orders. Pinellas County offers this data “as is”, for reference only and not of survey precision.
Before you rent or buy in Ulmerton
- Look up the exact address on the FEMA Flood Map Service Center; a neighborhood can mix high-risk and minimal-hazard zones.
- Ask the landlord or seller about past flooding and flood insurance claims at the property.
- Get a flood insurance quote early: new NFIP policies usually take 30 days to start (FloodSmart (NFIP): Buy a Flood Insurance Policy).
- Ask which floor the unit is on and where parking, storage and mechanical equipment sit.
Living in Ulmerton
Flood maps are only one part of choosing a neighborhood. To compare Ulmerton with other Largo neighborhoods on more than flooding, see Largo on StrollPlace.
Buyer and renter FAQ
Does Ulmerton flood?
Yes. Insured properties in and around Ulmerton have filed flood claims. About 14% of Ulmerton’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 99 claims from the Census block groups that cover Ulmerton, from 1979 through 2024. 87 of them received a payment, totaling $26,951,982 (not adjusted for inflation). The busiest years were 2024 (85 claims), 1979 (3 claims), 2006 (2 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Ulmerton in a flood zone?
About 14% of Ulmerton’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. Shares by zone: X (unshaded, minimal) 73%; AE 14%; X (shaded, 0.2% annual chance) 12%. The FIRM panel(s) covering it took effect August 24, 2021.
Which streets in Ulmerton are in a high-risk flood zone?
Most of the length of Country Club Dr, Highland Ave, Country Club Rd, Countryclub Dr and Circle Dr lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of Ulmerton Rd, Starkey Rd, 126th Ave N, 20th Ave SE, 16th Ave SE, Wild Acres Rd, 127th Ave and Cumberland Dr does. Zones can change along a street, so check the exact address.
What ZIP code is Ulmerton in?
Ulmerton is in Largo, FL. ZIP codes 33771 and 33773: the ZIP codes on most of the flood insurance claims counted here. ZIP codes do not follow neighborhood lines. Check the specific address for its own flood zone.
Do renters need flood insurance?
Standard renters policies usually do not cover flood. Renters in a community that participates in the NFIP can buy contents-only flood coverage, up to $100,000 for belongings.
How long does a new flood policy take to start?
A new NFIP policy generally takes effect 30 days after purchase. Exceptions include no wait when the policy is bought while making, increasing, extending or renewing a mortgage, and a one-day wait in a newly designated high-risk zone within 12 months of the map change.
How much coverage can NFIP provide?
For a one-to-four family home, NFIP building coverage goes up to $250,000 and contents coverage up to $100,000. You can buy flood insurance even if you are not in a high-risk zone, as long as your community participates in the NFIP.
Is Ulmerton in a hurricane evacuation zone?
About 49% of the land in Ulmerton’s property parcels is in Zone D of Pinellas County’s storm surge evacuation zones. Check the exact address with the county and follow official orders.
How much is flood insurance in Ulmerton?
The typical NFIP flood insurance policy on single-family homes in Ulmerton cost $1,154 a year: the median of 23 policies that started between August 1, 2025 and July 31, 2026. Half cost between $1,051 and $1,269. One building’s quote can be far from this; its elevation, foundation, age, coverage and deductible all change the price.
FAQ sources: FloodSmart (NFIP): Buy a Flood Insurance Policy; FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025); 44 CFR 61.11, Effective date and time of coverage.
Nearby neighborhoods
How these numbers were made
Area: the census-based definition above, using U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names. Flood zone shares: the area polygon intersected with FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, area computed in an equal-area projection; retrieved October 30, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Pinellas County (county code 12103), dataset as of September 8, 2026, retrieved October 30, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 121030253031, 121030253061, 121030250104. Neighboring pages can share a block group, so their counts can overlap. Paid totals add building, contents and Increased Cost of Compliance payments and are not adjusted for inflation; a claim whose FEMA record shows a negative payment (an adjustment) counts as zero. Evacuation zones: Pinellas County’s property parcels inside the polygon, each with the zone the county gives it, merged per zone in an equal-area projection (identical stacked parcels counted once); each share is of the land in those parcels, and shares below 0.1% are left out. See the methodology.
Sources
- Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on October 30, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 30, 2026.
- U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
- FEMA Glossary: Flood Zones.
- FloodSmart (NFIP): Buy a Flood Insurance Policy.
- FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
- 44 CFR 61.11, Effective date and time of coverage.
- OpenFEMA Terms and Conditions.
- Pinellas County Emergency Management, Parcel Evacuation (evacuation zone of each property parcel) (retrieved October 30, 2026).
- Pinellas County: Know Your Zone.
- FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
- U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads).
Data as of September 8, 2026 (FEMA claims) and October 30, 2026 (flood zones); hazard data computed October 30, 2026. Page last updated October 30, 2026.