Flood Information

Flooding in Treasure Island can be caused by heavy rainfall that occurs in short periods of time, as is common during summer thunderstorms, and by tidal surges that accompany tropical storms and hurricanes. Because of the City’s low land elevations and proximity to the Gulf of Mexico, the flood threat is significant. Hurricane tidal surges can cause flooding up to 24 hours before the eye of the storm reaches the coast. The potential for flood losses in Treasure Island always exists when tropical storms and hurricanes hit the area, as witnessed by Tropical Storm Eta in 2020. This page is designed to help you understand your flood zone for permitting purposes, flood insurance, preparing for a disaster, and more.

Flood Maps
All properties in the City of Treasure Island are located in a Special Flood Hazard Area (SFHA).

To view detailed flood maps including current and preliminary flood zones and base flood elevations, repetitive loss areas, storm surge data and more, please visit the City and County interactive flood maps:
FEMA has issued a Letter of Final Determination (LFD) to adopt the preliminary flood maps effective August 24, 2021. Please check both the current and preliminary maps. The more stringent of the two will be utilized for regulation purposes until the preliminary maps become effective. For a detailed view of upcoming flood map changes within the Treasure Island, please visit:
Upcoming Map Changes

Flood Safety and Preparedness

Please visit the links below for more information on flood safety and preparedness:
Flood Insurance
The City of Treasure Island participates in the National Flood Insurance Program (NFIP). The NFIP makes flood insurance policies available to property owners, renters, and businesses in order to help them recover faster after a flood event. 

Below are some key points regarding flood insurance:
  • To purchase flood insurance, call your insurance company or insurance agent, the same person who sells your home or auto insurance. If you need help finding a provider click here or call the NFIP at 877-336-2627.
  • Plan ahead as there is typically a 30-day waiting period for an NFIP policy to go into effect, unless the coverage is mandated it is purchased as required by a federally backed lender or is related to a community flood map change.
  • Most homeowners’ or renters’ insurance policies typically do not cover flood damage.
Quick Resources:
How to Start Filing a Claim
How to Document Damage
NFIP Claims Handbook

The City of Treasure Island is also enrolled in the NFIP’s Community Rating System (CRS) program. Treasure Island has a Class 6 Rating within the program, which provides property owners a 20% discount on flood insurance premiums. The current rating is achieved through mitigation efforts such as higher regulatory standards, outreach projects, and other initiatives.

Beginning October 1, 2021, FEMA will begin rating flood insurance policies using Risk Rating 2.0. Please watch the video below for more information on this new rating methodology.

Elevation Certificates
To view electronic copies of the Elevation Certificates on file for properties within the City of Treasure Island, please search Pinellas County’s interactive map:

You may also contact the Community Development Department to see if there is an EC on file for a specific property that has not yet been digitized or uploaded to the County's system.

Local Floodplain Regulations

Additional Resources
Please visit the following links for additional information: