Pinellas County, FL flood zone property owners

Say you run a small insurance agency in St. Petersburg and want to mail every owner of a home in Pinellas County’s flood zone before hurricane season, with a note on what their community’s rating saves them. Pinellas County is in FEMA’s Community Rating System at class 2, which takes 40% off NFIP premiums inside the flood zone, and you want that number in the letter. What you do not have is the list of who owns those houses.

The manual way, and what it costs

FEMA’s Flood Map Service Center will tell you the zone of one address you type in, and the Pinellas County Property Appraiser will tell you who owns one parcel you look up. Neither will give you a list. The free way to a list is to download FEMA’s flood hazard layer and the county parcel file, load both into a GIS program such as QGIS, and run a spatial join. If you or someone on your team already works in QGIS, that is a fine afternoon’s work for one county, and you should do it. It stops being reasonable when you want several counties, want to redo it when FEMA issues a new map, or have never opened a shapefile.

The faster way

Flood Zone Property Owner Leads & FEMA Flood Map Lookup does the same search once and hands back every row at once.

{
  "areas": [
    "Pinellas, FL"
  ],
  "maxResults": 1000
}

areas is the county, and nothing else needs setting: sfhaOnly is on by default, so only the properties inside FEMA’s Special Flood Hazard Area come back, government-owned land is left out, and any property FEMA removed from the zone by a Letter of Map Amendment is dropped. maxResults of 1,000 caps the run at $10.00. Add "absentee": ["out_of_state"] if you only want owners who mail from another state; that version of the run returned 100 rows in 66 seconds on 2026-11-03.

What comes back

{
  "owner_name": "ULTRA BLUE PROPERTIES LLC",
  "owner_type": "company",
  "mailing_address": "4061 SANDVIEW DR",
  "mailing_city": "MEDINA",
  "mailing_state": "OH",
  "mailing_zip": "44256",
  "absentee_tier": "out_of_state",
  "address": "1515 PINELLAS BAYWAY S # 20",
  "city": "TIERRA VERDE",
  "state": "FL",
  "zip": "33715",
  "county": "Pinellas",
  "parcel_id": "16 32 29 94825 002 0200",
  "flood_zone": "AE",
  "zone_subtype": "COASTAL FLOODPLAIN",
  "in_sfha": true,
  "base_flood_elevation_ft": 9.0,
  "vertical_datum": "NAVD88",
  "firm_panel": "12103C0286H",
  "panel_effective_date": "2021-08-24",
  "map_change": "none",
  "pending_zone": null,
  "pending_effective_date": null,
  "loma_case": null,
  "community_name": "PINELLAS COUNTY *",
  "crs_class": "2",
  "crs_sfha_discount": "40%",
  "initial_firm_date": "1971-06-18",
  "pre_firm": false,
  "property_class_desc": "Condominium",
  "year_built": 1990,
  "market_value": 323847,
  "latitude": 27.671588,
  "longitude": -82.724803
}

Field	Example value	Meaning
address	1515 PINELLAS BAYWAY S # 20	Property street address (the roll’s situs address in an export, the geocoder’s matched address in a lookup)
city	TIERRA VERDE	Property city as the roll or the geocoder writes it
state	FL	Two-letter state
zip	33715	Property ZIP code, where the roll publishes one
county	Pinellas	County name
parcel_id	16 32 29 94825 002 0200	The assessor’s parcel number

For the letter, the mailing columns are the address block and crs_sfha_discount is the line about savings. The row above is a condominium in zone AE with a base flood elevation of 9 feet, owned by a company that mails from Medina, Ohio; absentee_tier says out_of_state, which is a different letter from the one a homeowner living there gets.

What you’d do with it

Export the dataset as CSV from the Dataset tab and load it into your mail-merge tool or CRM keyed on parcel_id, which stays the same on next year’s roll. Split the file on absentee_tier for two versions of the letter, and on flood_zone if you write VE (coastal) owners differently from AE.

Worth knowing

The zone is FEMA’s zone at the parcel’s centroid, not an official flood zone determination, and a large lot can sit in more than one zone. The owner is the owner of record on the 2026 Department of Revenue roll, which can lag a recent sale. There are no phone numbers or emails: no public flood map or assessor roll carries them.

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Run it yourself: How to run Flood Zone Property Owner Leads & FEMA Flood Map Lookup walks the whole thing step by step.

If you want every parcel in the county with values and sale history, not only the flood zone, use US County Property Records Export. For one house’s listing details and photos, Zillow & Redfin Property Scraper is the better fit.