ZIP 34685 Flood Zone Map & Elevation Check

Free Florida flood zone lookup for ZIP 34685 (Palm Harbor, FL) — share of homes in FEMA high-risk flood zones, average ground elevation, and hurricane evacuation zones. Check any address for a parcel-level answer.

Flood risk in ZIP 34685 at a glance

ZIP 34685 is in Pinellas County with about 7,895 homes.
50% of homes are in a FEMA high-risk flood zone (A/AE/VE); the most common zone is Zone X.
Average ground elevation is 12.7 ft, ranging from 3.6 ft to 19.5 ft.
40% of homes are in hurricane evacuation zone A or B, the first to evacuate for storm surge.

FEMA flood zones

Zone X: 50% of homes
Zone AE: 27% of homes
Zone A: 23% of homes

Evacuation zones

Non-evac: 60% of homes
Zone B: 23% of homes
Zone A: 17% of homes

What this means for buyers in ZIP 34685

Most homes in ZIP 34685 are in a FEMA high-risk flood zone

About 50% of homes sit in a Special Flood Hazard Area (Zones A/AE/VE). Federally backed mortgages require flood insurance there — budget $800–$3,000+/yr, more in coastal VE zones.

Hurricane evacuation zones A/B

About 40% of homes are in evacuation zone A or B — first to evacuate for storm surge. Florida lenders commonly require windstorm coverage in these zones.

Estimated from 30 residential points across ZIP 34685, weighted by 2020 Census housing units, using FEMA NFHL flood zones, Florida Division of Emergency Management evacuation zones, and ground elevation. These are area averages — flood zones and elevation change street by street.

Check a specific ZIP 34685 address for its exact FEMA zone, parcel elevation, and evacuation zone.

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