An area designated AE presents a 1 percent annual chance of flooding. This area is more commonly referred to as the base flood area or the 100-year flood plain. Because flood zone AE is prone to flood, property owners in these zones must buy flood insurance if they live in a community that participates in the National Flood Insurance Program (NFIP).
Hello j.morgan1947, All homes in Florida are in a flood zone. Whether flood insurance is required depends on the specific zone classification, which you may find for any specific address at the National Flood Insurance Program website http://www.floodsmart.gov
Most of the homes in Pinellas Point are in a high-risk area, although some are moderate risk. There are several factors that may determine the level of risk, you should contact a licensed insurance agent for more details.
Would you please contact me directly so I may help you further with home buying in Pinellas?