Does Broadwater flood?
Broadwater, St. Petersburg, FL · ZIP code 33711: the ZIP code on 354 of the 354 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Broadwater have filed flood claims. About 75% of Broadwater’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 354 claims from the Census block groups that cover Broadwater, from 1979 through 2025. 256 of them received a payment, totaling $33,033,950 (not adjusted for inflation). The busiest years were 2024 (258 claims), 1993 (16 claims), 2000 (11 claims).
What this page counts as Broadwater
We could not find an openly licensed official boundary for Broadwater, so this page uses a census-based area. For this page, Broadwater 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 Broadwater (feature 297348) 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 Broadwater. 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 Broadwater
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 Broadwater
The named streets in Broadwater, longest first, with how much of each street’s length inside Broadwater lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Broadwater; 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. 18 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| I-275 | 3.0 mi | 6.1% | X (unshaded, minimal) (89%) |
| 37th St S | 1.5 mi | 59% | AE (59%) |
| 34th St S | 1.5 mi | 48% | AE (48%) |
| 38th Ave S | 1.0 mi | 36% | AE (36%) |
| 40th St S | 4,570 ft | 78% | AE (78%) |
| 50th Ave S | 4,430 ft | 100% | AE (100%) |
| 46th Ave S | 4,410 ft | 100% | AE (100%) |
| 38th Way S | 4,340 ft | 63% | AE (63%) |
| 38th St S | 4,220 ft | 54% | AE (54%) |
| 39th St S | 3,990 ft | 85% | AE (85%) |
| 42nd Ave S | 3,670 ft | 100% | AE (100%) |
| 48th Ave S | 3,550 ft | 100% | AE (100%) |
| 41st St S | 3,270 ft | 100% | AE (100%) |
| Dolphin Cay Ln | 3,170 ft | 100% | AE (100%) |
| 53rd Ave S | 3,020 ft | 100% | AE (100%) |
| 34th Ave S | 2,240 ft | 34% | X (shaded, 0.2% annual chance) (52%) |
| Osprey Dr S | 2,230 ft | 100% | AE (100%) |
| 43rd St S | 2,220 ft | 100% | AE (100%) |
| 49th Ave S | 2,090 ft | 100% | AE (100%) |
| 42nd St S | 2,000 ft | 100% | AE (100%) |
| 44th St S | 1,750 ft | 100% | AE (100%) |
| 32nd Ave S | 1,530 ft | 0.0% | X (unshaded, minimal) (100%) |
| 40th Ln S | 1,510 ft | 78% | AE (78%) |
| 45th St S | 1,410 ft | 100% | AE (91%) |
| 52nd Ave S | 1,380 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 Broadwater
Share of Broadwater’s mapped area (about 5.078 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 14 feet. Effective date of the FIRM panel(s) covering it (12103C0277H, 12103C0279H, 12103C0281H): August 24, 2021.
| FEMA zone | Share of area |
|---|---|
| AE | 48% |
| VE | 27% |
| X (unshaded, minimal) | 18% |
| X (shaded, 0.2% annual chance) | 7.2% |
| AO | 0.2% |
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 Broadwater. 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 | $907 |
| 1980s | 28 | $22,176 |
| 1990s | 27 | $108,522 |
| 2000s | 23 | $57,282 |
| 2010s | 12 | $20,934 |
| 2020s | 261 | $32,824,131 |
By year of loss
Named flood events with the most claims
- Hurricane Helene: 229 claims
- Hurricane Milton: 25 claims
- Blizzard of 1993: 14 claims
- Flooding: 9 claims
- Hurricane Elena: 7 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 348
- X/B/C (moderate or minimal): 5
- V/VE (coastal high hazard): 1
How much is flood insurance in Broadwater?
The typical National Flood Insurance Program policy on single-family homes in Broadwater costs $3,490 a year: the median of 742 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $2,026 and $4,969. 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
About 58% of the land in Broadwater’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 Broadwater’s parcel land |
|---|---|---|
| Zone A | see the county’s zone description | 58% |
| Zone B | see the county’s zone description | 18% |
| Zone C | see the county’s zone description | 7.7% |
| Zone D | see the county’s zone description | 12% |
| Zone E | see the county’s zone description | 4.9% |
Pinellas County assigns evacuation zones parcel by parcel, so these shares are of the land in property parcels that carry a zone value, about 57% of Broadwater’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 1.7% 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 Broadwater
- 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 Broadwater
Flood maps are only one part of choosing a neighborhood. To compare Broadwater with other St. Petersburg neighborhoods on more than flooding, see St. Petersburg on StrollPlace.
Buyer and renter FAQ
Does Broadwater flood?
Yes. Insured properties in and around Broadwater have filed flood claims. About 75% of Broadwater’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 354 claims from the Census block groups that cover Broadwater, from 1979 through 2025. 256 of them received a payment, totaling $33,033,950 (not adjusted for inflation). The busiest years were 2024 (258 claims), 1993 (16 claims), 2000 (11 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Broadwater in a flood zone?
About 75% of Broadwater’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). Shares by zone: AE 48%; VE 27%; X (unshaded, minimal) 18%; X (shaded, 0.2% annual chance) 7.2%; AO 0.2%. The FIRM panel(s) covering it took effect August 24, 2021.
Which streets in Broadwater are in a high-risk flood zone?
Most of the length of 37th St S, 40th St S, 50th Ave S, 46th Ave S, 38th Way S, 38th St S, 39th St S, 42nd Ave S, 48th Ave S, 41st St S, Dolphin Cay Ln and 53rd Ave S lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of I-275 and 32nd Ave S does. Zones can change along a street, so check the exact address.
What ZIP code is Broadwater in?
Broadwater is in St. Petersburg, FL. ZIP code 33711: the ZIP code on 354 of the 354 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 Broadwater in a hurricane evacuation zone?
About 58% of the land in Broadwater’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 Broadwater?
The typical NFIP flood insurance policy on single-family homes in Broadwater cost $3,490 a year: the median of 742 policies that started between August 1, 2025 and July 31, 2026. Half cost between $2,026 and $4,969. 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 Bayway flood?
- Does Lakewood Estates flood?
- Does Point Brittany 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: 121030201053, 121030201051, 121030201012. 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.