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# Pinellas Park homeowners could save 25% on flood insurance premiums
- URL: https://tampa-bay-disaster-preparedness-news.ghost.io/pinellas-park-homeowners-could-save-25-on-flood-insurance-premiums/
- Published: 2026-07-25T20:28:24.000Z
- Updated: 2026-07-25T20:35:55.000Z
- Description: FEMA's improved flood protection rating for Pinellas Park could lower National Flood Insurance Program premiums beginning this fall.
- Author: Chris Thomas
- Tags: hurricanes, flooding, News

Thousands of Pinellas Park homeowners could soon see lower flood insurance costs after the city earned a higher rating in FEMA's **National Flood Insurance Program Community Rating System**.

**Why it matters:** Rising flood insurance premiums have strained many homeowners' budgets, particularly those living on fixed incomes.

**The latest:**

- Pinellas Park was upgraded to a **Class 5** community under FEMA's Community Rating System.
- The improved rating recognizes communities that exceed minimum federal floodplain management standards.
- Eligible property owners could receive up to a **25% discount** on new or renewed National Flood Insurance Program policies.
- The lower premiums are expected to take effect **Oct. 1**.

**The big picture:**

- The Community Rating System rewards cities that invest in flood mitigation, public outreach and stronger floodplain management.
- The discounts apply to National Flood Insurance Program policies and vary based on a community's CRS classification.

**What residents are saying:**

- Homeowners say rising insurance premiums have become a growing financial burden.
- Many believe the savings will help offset higher housing costs and provide relief for families and retirees living on fixed incomes.

**Bottom line:** Pinellas Park's improved FEMA rating could provide meaningful savings for homeowners while recognizing the city's efforts to reduce future flood risk.