As a seasoned real estate professional in St. Petersburg, Florida, I’ve noticed a real shift lately – especially after the back-to-back storms and hurricanes we’ve seen in recent years. It used to be that when I met new buyers, they almost always wanted to be in the Northeast or Downtown corridor of St. Pete, much of which lies in Flood Zone AE (where flood insurance is required). But that’s changing, and today’s buyers are starting to heed the old advice: Go West, young man.
Here are some of the neighborhoods that are brimming with activity lately – and I think I know why. Hint: they’re all in Flood Zone X, which means no flood insurance required and high, dry ground.
1. Holiday Park
Full disclosure, I may be a little biased because I just bought a home in this neighborhood! Located in north St. Pete between 9th Ave N and 30th Ave N, west of 49th Street, Holiday Park offers consistent elevation and sits entirely in Flood Zone X (non-evacuation). The neighborhood features larger lots, single-story block ranch homes built between the 1950s and 1970s, many of which have been beautifully updated. It’s walkable to schools and parks and perfect for buyers who love “old-Florida” without the flood-insurance headache. I always thought this area would be SO FAR from downtown, but honestly, it takes me 15-18 minutes to get just about anywhere in St. Pete, including downtown. I absolutely love it after dealing with flooding in my old neighborhood for 2 years in a row.
2. Disston Heights
Disston Heights is one of the largest mid-century neighborhoods in Pinellas County, with most homes built between the 1950s and 1960s. If Terrazzo is your thing, you should check this neighborhood out. It’s bordered by 38th Avenue North to the north, 9th Avenue North to the south, 34th Street North (U.S. 19) to the east, and 49th Street North to the west. The area sits on elevated land averaging 30 to 40 feet above sea level, making it a more affordable option compared to coastal zones while still offering peace of mind during storm season. Centrally located just 10 minutes from Downtown St. Pete and about 15 minutes to the beaches, it’s known for its solid brick ranch homes, generous yards, and quiet, well-kept streets.
3. Eagle Crest
My BFF lives here and it’s the CUTEST neighborhood. Located between 1st Ave N and 9th Ave N, roughly from 58th St N to 66th St N, Eagle Crest is one of west St. Pete’s most charming “hidden gem” neighborhoods. It’s entirely in Flood Zone X and known for its wide, tree-lined streets, brick homes, and old-Florida character. Many houses here feature 1940s-1950s architecture—arched doorways, original hardwood floors, and large yards. Although you may find some homes as old as 1920’s, like my friend’s home. It’s popular with families and professionals who want quick access to both Downtown and the beaches while staying high and dry.
4. Euclid-St. Paul
Just north of Downtown St. Petersburg, the neighborhood of Euclid-St. Paul is among the few near-urban areas that remain completely outside the flood zones. This beloved neighborhood is filled with character – think brick-lined streets, mature oak canopies, and an eclectic mix of historic architecture ranging from 1920s Craftsman bungalows and Mediterranean Revivals to 1940s block cottages and renovated mid-century gems. Residents love being able to stroll to Crescent Lake Park, local restaurants, and vibrant coffee shops while still enjoying a quiet, residential feel. The area hosts community yard sales, porch parties, and neighborhood holiday parades that make it feel straight out of a small town. Homes here can be on the pricier side, but buyers are drawn to the rare combination of charm, walkability, and high-and-dry peace of mind -proof that in real estate, location truly is everything.
5. North Kenwood
Just west of Downtown, North Kenwood is a transitional neighborhood that is quickly gaining momentum and attracting attention from buyers and investors alike. Bordered roughly by 9th Avenue North to 22nd Avenue North and 19th Street North to I-275, this area blends history and progress in equal measure. Streets are lined with a mix of 1920s bungalows, sturdy mid-century block homes, and sleek new-construction infill projects that reflect the neighborhood’s ongoing revitalization. Nearly all of North Kenwood lies within Flood Zone X and is outside of evacuation areas, giving homeowners the comfort of high elevation with close proximity to Downtown, Central Avenue, and the Grand Central District. With its easy access to I-275, walkable charm, and strong community pride, North Kenwood has become a favorite among first-time buyers, creatives, and investors looking for the next St. Pete hot spot.
Whether you’re relocating to St. Pete or a local looking to move out of a flood zone, these neighborhoods are worth exploring. If you’d like a customized list of available homes in high-and-dry areas, reach out – I’m happy to help you find the perfect fit.
FAQ
Q: How do I check if a St. Pete home is in a flood zone?
A: You can search your address on FEMA’s Flood Map Service Center or contact your Realtor for a local flood zone lookup.
Q: Which flood zones require insurance in St. Petersburg?
A: Zones AE and VE typically require flood insurance if you have a mortgage, while homes in Zone X or X500 usually don’t.
Q: Are home prices higher in non-flood-zone areas?
A: Not necessarily – in some cases they are less expensive in some of these communities that are still up and coming. It really just depends on the neighborhood.
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