Does Bayway flood?
Bayway, St. Petersburg, FL · ZIP codes 33715 and 33711: 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 Bayway have filed flood claims. About 98% of Bayway’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 112 claims from the Census block groups that cover Bayway, from 1982 through 2024. 71 of them received a payment, totaling $6,211,467 (not adjusted for inflation). The busiest years were 2024 (81 claims), 1985 (5 claims), 1982 (4 claims).
What this page counts as Bayway
We could not find an openly licensed official boundary for Bayway, so this page uses a census-based area. For this page, Bayway 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 Bayway (feature 297338) and inside the St. Petersburg 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 Bayway. Sources: U.S. Census Bureau TIGERweb, 2010 Census Block Groups, National Park Service, National Register of Historic Places boundaries (NRHP polygons) 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 Bayway
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 Bayway
The named streets in Bayway, longest first, with how much of each street’s length inside Bayway lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Bayway; 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. 1 shorter street is not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| US Hwy 19 | 2.5 mi | 47% | AE (43%) |
| 54th Ave S | 1.7 mi | 86% | AE (80%) |
| Pinellas Bayway | 1.4 mi | 84% | AE (76%) |
| Ave of States | 4,650 ft | 100% | AE (100%) |
| 62nd Ave S | 3,710 ft | 100% | AE (100%) |
| Edmundson Ave | 3,650 ft | 100% | AE (100%) |
| Leeland St S | 3,040 ft | 100% | AE (100%) |
| 61st Ave S | 3,040 ft | 100% | AE (100%) |
| Franklin Ct S | 2,120 ft | 100% | AE (100%) |
| Harbor Way N | 2,000 ft | 100% | AE (100%) |
| 51st St S | 1,830 ft | 100% | AE (100%) |
| Landings Dr | 1,410 ft | 100% | AE (100%) |
| Dorm Dr | 1,270 ft | 100% | AE (100%) |
| Crescent Pl S | 960 ft | 100% | AE (100%) |
| 34th St S | 930 ft | 100% | AE (100%) |
| Brittany Dr S | 860 ft | 90% | AE (90%) |
| Library Cir | 770 ft | 100% | AE (100%) |
| Academy Way S | 760 ft | 100% | AE (100%) |
| 59th Ave S | 670 ft | 100% | AE (100%) |
| 60th Ave S | 660 ft | 100% | AE (100%) |
| 58th Ave S | 660 ft | 100% | AE (100%) |
| Avenue of States Dr | 660 ft | 100% | AE (100%) |
| Bayfront Ct S | 640 ft | 100% | AE (100%) |
| Jefferson Ct S | 590 ft | 100% | AE (100%) |
| Forrer Sheen Dr | 530 ft | 100% | AE (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 28, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Bayway
Share of Bayway’s mapped area (about 5.842 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 8 to 13 feet. Effective date of the FIRM panel(s) covering it (12103C0277H, 12103C0279H, 12103C0281H, 12103C0283H): August 24, 2021.
| FEMA zone | Share of area |
|---|---|
| VE | 62% |
| AE | 36% |
| X (shaded, 0.2% annual chance) | 0.9% |
| X (unshaded, minimal) | 0.8% |
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 Bayway. 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 |
|---|---|---|
| 1980s | 9 | $272 |
| 1990s | 8 | $37,363 |
| 2000s | 4 | $0 |
| 2010s | 4 | $1,338 |
| 2020s | 87 | $6,172,494 |
By year of loss
Named flood events with the most claims
- Hurricane Helene: 65 claims
- Hurricane Milton: 14 claims
- Hurricane Elena: 5 claims
- The 'No-Name Storm': 4 claims
- Hurricane Eta: 3 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 106
- V/VE (coastal high hazard): 6
How much is flood insurance in Bayway?
The typical National Flood Insurance Program policy on single-family homes in Bayway costs $2,554 a year: the median of 276 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,336 and $4,222. 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 28, 2026.
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Hurricane evacuation zone
All of the land in Bayway’s property parcels is in Zone A 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 Bayway’s parcel land |
|---|---|---|
| Zone A | see the county’s zone description | 100% |
Pinellas County assigns evacuation zones parcel by parcel, so these shares are of the land in property parcels that carry a zone value, about 34% of Bayway’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 0.7% 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 Bayway
- 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 Bayway
Flood maps are only one part of choosing a neighborhood. To compare Bayway with other St. Petersburg neighborhoods on more than flooding, see St. Petersburg on StrollPlace.
Buyer and renter FAQ
Does Bayway flood?
Yes. Insured properties in and around Bayway have filed flood claims. About 98% of Bayway’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 112 claims from the Census block groups that cover Bayway, from 1982 through 2024. 71 of them received a payment, totaling $6,211,467 (not adjusted for inflation). The busiest years were 2024 (81 claims), 1985 (5 claims), 1982 (4 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Bayway in a flood zone?
About 98% of Bayway’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). Shares by zone: VE 62%; AE 36%; X (shaded, 0.2% annual chance) 0.9%; X (unshaded, minimal) 0.8%. The FIRM panel(s) covering it took effect August 24, 2021.
Which streets in Bayway are in a high-risk flood zone?
Most of the length of 54th Ave S, Pinellas Bayway, Ave of States, 62nd Ave S, Edmundson Ave, Leeland St S, 61st Ave S, Franklin Ct S, Harbor Way N, 51st St S, Landings Dr and Dorm Dr lies in FEMA high-risk zones (the Special Flood Hazard Area). Zones can change along a street, so check the exact address.
What ZIP code is Bayway in?
Bayway is in St. Petersburg, FL. ZIP codes 33715 and 33711: 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 Bayway in a hurricane evacuation zone?
All of the land in Bayway’s property parcels is in Zone A 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 Bayway?
The typical NFIP flood insurance policy on single-family homes in Bayway cost $2,554 a year: the median of 276 policies that started between August 1, 2025 and July 31, 2026. Half cost between $1,336 and $4,222. 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
- Does Broadwater flood?
- Does Point Brittany flood?
- Does Lakewood Estates flood?
- Does Pasadena flood?
- Kenwood
- Downtown
How these numbers were made
Area: the census-based definition above, using U.S. Census Bureau TIGERweb, 2010 Census Block Groups, National Park Service, National Register of Historic Places boundaries (NRHP polygons) 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 28, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Pinellas County (county code 12103), dataset as of September 8, 2026, retrieved October 28, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 121030201071, 121030201052. 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 28, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 28, 2026.
- U.S. Census Bureau TIGERweb, 2010 Census Block Groups, National Park Service, National Register of Historic Places boundaries (NRHP polygons) 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 31, 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 28, 2026 (flood zones); hazard data computed October 31, 2026. Page last updated October 31, 2026.