How Flood Zones and Evacuation Zones Differ.

Flood zones and evacuation zones are different. They measure different conditions that may not occur at the same time.

Flood zones are areas mapped by FEMA for use in the National Flood Insurance Program. Each flood zone designation, represented by a letter or letters, tells homeowners exactly what the risk is for flooding at their property over a period of years, regardless of the cause. By law, all homes in high-risk zones carrying a mortgage must be covered by flood insurance.

flood zone sign







Evacuation zones, on the other hand, are based on hurricane storm surge zones determined by the National Hurricane Center using ground elevation and the area’s vulnerability to storm surge from a hurricane. The evacuation zones are marked from A through E, plus non-evacuation zones.

hurricane evac

The flood zones and evacuation zones are determined by different methods and have different purposes. A home may be located in a non-evacuation zone, yet still be located in a flood zone because of a nearby stream or pond.

Residents need to check both zones.


An important thing to remember is that flood losses are not covered by homeowners insurance policies. The National Flood Insurance Program makes federally backed flood insurance available to residents and business owners. Any flooding damage covered under the policy – whether or not a federal disaster declaration is made – will be reimbursed per the policy limits, which can include structural damage or the loss of contents.

For more information on flood zones, visit the National Flood Insurance Program at or call (888) CALL-FLOOD (225-5356)

Flood Maps and Zones. Flooding. Maps Pinellas County Florida.

Images provided by Google.


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