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Roofing in Pinellas County

Water covers 68.1% of Pinellas County's total area, and its 273.8 square miles of land hold 516,324 homes, half of them built in 1977 or earlier. For roofers in Pinellas County, Florida, that means old roof decks, barrier islands that take the surge, and a permit office that can change at the next town line.

County seat: Clearwater

Updated October 2026

Drone view looking down on a gray-blend shingle roof with two front gables, a debris container and a pickup in the driveway beyond.

At a glance

Pinellas County homes at a glance

People (2020 Census)
959,107
Median year homes were built
1977
Share of homes built 2010 or later
5.8%
Share of homes built before 1980
58.8%
Share of homes built before 2000
87.5%
Owner-occupied share of occupied homes
69.5%
Mobile homes, share of housing units
9%

Census and county figures; each one is listed in the sources at the end of this page.

Housing

Built before the state code: Pinellas homes and their roofs

The Census puts the county's median year built at 1977. Of all homes, 58.8% went up before 1980, 87.5% before 2000, and only 5.8% in 2010 or later. Florida's first statewide building code did not arrive until March 1, 2002, after Hurricane Andrew exposed the old patchwork of local codes, so nearly nine in ten houses here were framed and first roofed under the older rules.

That history surfaces the day the old roof comes off. On a wood deck, today's code adds nails wherever the original sheathing was held with staples or 6d nails, and puts a secondary water barrier under the new covering (R908.7). The Pinellas roof replacement page covers each step.

The housing mix shapes the work too. Single-family detached houses make up just 48% of units, another 30.1% sit in condo and apartment buildings of five or more units, and 9.0% are mobile homes. Owners occupy 69.5% of occupied homes. For condo buildings three habitable stories or taller, the roof heads Florida's reserve-study list; see commercial roofing in Pinellas.

Code

Wind rules on a peninsula with 587 miles of shore

Pinellas lies outside the High-Velocity Hurricane Zone, which the Florida Building Code reserves for Broward and Miami-Dade. Roofs here are built and replaced under the standard chapters of the 2023 Eighth Edition, and permit applications filed on or after December 31, 2026 fall under the Ninth Edition.

Outside that zone is not the same as calm. The county is a peninsula between the Gulf of Mexico and Tampa Bay, with 587 miles of coastline and 11 barrier islands. Treasure Island's building department lists wind speed requirements of 147 to 150 mph with Exposure D, and the code draws its wind-borne debris region around any area designed for 140 mph or more (FBC-B Chapter 2).

Each house gets its own figure from the ASCE 7-22 hazard tool, which the state wind mitigation form uses to sort homes into Regions 1 to 3. Even a tropical storm tests a roof: Debby gusted to 61 knots at the Skyway Fishing Pier in 2024.

Permits

County office or city hall: who permits a Pinellas roof

Start with the address. Pinellas County Building Services issues roof permits for unincorporated areas, Palm Harbor, East Lake, Lealman and West Lealman among them, and for six municipalities that use the county office: Belleair Beach, Belleair Shore, Indian Rocks Beach, Kenneth City, Oldsmar and Safety Harbor.

Most other cities and towns run their own office, from St. Petersburg, Clearwater and Largo to Tarpon Springs, Gulfport and Treasure Island. Three arrangements are easy to miss: Belleair Bluffs moved permits and inspections from the county to SAFEbuilt on August 15, 2025; North Redington Beach contracts its permitting to SAFEbuilt; and the Town of Redington Shores runs Redington Beach's building department.

Dunedin also permits its own work, though our research could not fully check its page, so confirm forms with the city. Whatever the office, the code steps match: a re-roof needs a permit (FBC-B 105.1), skips plan review (107), and gets a sheathing or dry-in inspection followed by a roofing inspection (110.3).

Building permits

Pinellas County Building and Development Review Services - Building Services (unincorporated Pinellas plus Belleair Beach, Belleair Shore, Indian Rocks Beach, Kenneth City, Oldsmar and Safety Harbor)

Official building page

Office names and links only. Fees, forms and timing change; check the official page.

Storm record

Nine FEMA-declared storms, 2016 to 2024

FEMA declarations covered Pinellas County for nine tropical systems from 2016 through 2024, from Hermine to Milton. Seven of them opened Individual Assistance to households; Eta in 2020 and Elsa in 2021 were the two that did not.

Three arrived in 2024. Debby brought tropical-storm conditions in August. Helene followed in September with 5 to 7 feet of surge along the coast from the Anclote River to Longboat Key; USGS sensors read 7.26 feet above mean higher high water at Madeira Beach, and the Clearwater and St. Petersburg tide gauges set records. In October, Milton brought hurricane conditions from Clearwater Beach southward and 20.40 inches of rain near St. Petersburg.

Earlier storms struck in other ways. Hermine left 22.36 inches near Tarpon Springs in 2016, its highest total, and its street flooding was worst in Pinellas. Eta's 2020 surge forced 33 rescues in Pass-a-Grille and beached sailboats in Gulfport.

Surge floods houses; wind and rain go after the roof. FEMA's assessment teams count a damaged roof covering among the main ways water gets inside, and after Ian the damage they found most often was at hips and ridges, on new roofs and old. After a season like 2024, those lines and the eaves are the first places to look.

  1. 2024Hurricane Debby

    • Tropical-storm conditions with a 61-kt gust at the Skyway Fishing Pier and a 55-kt gust at Clearwater Beach.
  2. 2024Hurricane Milton

    • Hurricane conditions from Clearwater Beach southward; 20.40 inches of rain near St. Petersburg; Tropicana Field's fabric roof ripped off by high winds.
  3. 2023Hurricane Idalia

    • The Clearwater ocean-pier tide gauge recorded 3.86 ft above MHHW.
  4. 2016Hurricane Hermine

    • Maximum storm-total rainfall in the event, 22.36 inches, near Tarpon Springs; street and low-lying flooding was worst in Pinellas County, where the most rain fell; storm tide of 3.0 ft above MHHW at Clearwater Beach.

Climate

Rain totals and the bursts that matter more

A normal year brings 52.48 inches of rain at St. Petersburg and 53.62 inches at St. Pete-Clearwater International Airport (NOAA 1991-2020 normals), and about 62 to 63% of it falls from June through September.

For a roof, the bursts matter more than the totals. At Tampa, the nearest NOAA Atlas 14 point in our county data, a 10-year storm's heaviest five minutes fall at 9.61 inches an hour, and a 100-year storm leaves 11.3 inches in 24 hours. Milton's 20.40 inches near St. Petersburg and Hermine's 22.36 near Tarpon Springs both topped that 100-year daily depth, though a storm total can fall over more than one day.

All that water has to leave the roof somewhere, and the code wants every downspout to discharge at least 1 foot from the wall. The Pinellas gutters page sizes gutters to the local bursts.

9.61in/hr5-minute burst, 10-year storm
2.88in/hr1-hour rate, 10-year storm
6.24in24 hours, 10-year storm

NOAA Atlas 14 at Tampa, the nearest point in our data. Source

Local rules

Flood-zone packets, historic districts and an exemption that skips roofs

Storm rebuilding carries its own paperwork in several towns: St. Pete Beach's 2026 50% Rule packet, Redington Shores' Hurricane Helene permit application and Substantial Improvement packet, and Largo's Substantial Damage Inspection and Assessment Process for flood-hazard homes. On a damaged house in one of those areas, the flood review can shape the roof job, so ask the building office first.

Historic districts add a design step. St. Petersburg has 11 local historic districts, where exterior changes need a Certificate of Appropriateness. Tarpon Springs has a Local Historic District with design review guidelines, plus National Register districts, and St. Pete Beach has the Pass-a-Grille Historic District. Settle the material and color with the city before anything is ordered.

One state permit exemption leaves roofs out. St. Petersburg's permit page says its HB 803 exemption excludes roofing and any property in a flood hazard area, so a re-roof in the city still goes through a permit.

  • Permitting is split across many offices: Pinellas County Building Services issues permits for unincorporated Pinellas plus Belleair Beach, Belleair Shore, Indian Rocks Beach, Kenneth City, Oldsmar and Safety Harbor; Belleair Bluffs moved to SAFEbuilt on August 15, 2025; Redington Shores runs Redington Beach's building department; the other cities issue their own.
  • Post-storm substantial-damage (50%) rules: St. Pete Beach posts a 2026 50% Rule packet; Redington Shores requires a Hurricane Helene permit application and Substantial Improvement packet for storm permits; Largo runs a Substantial Damage Inspection and Assessment Process for flood-hazard homes.
  • Historic districts: St. Petersburg has 11 local historic districts (exterior modifications need a Certificate of Appropriateness); Tarpon Springs has a Local Historic District with design review guidelines plus National Register districts; St. Pete Beach has the Pass-a-Grille Historic District.
  • Oldest housing of the four counties: median year built 1977; 58.8% of units built before 1980 and only 5.8% since 2010.
  • Mobile homes are 9.0% of housing units; 30.1% are in buildings with 5+ units.
  • St. Petersburg's HB 803 permit exemption excludes roofing and properties in a flood hazard area.

Your town

Find your Pinellas town

Every city, town and large community here has its own page, built from its own Census numbers, permit office and storm notes. How they group:

  • Largest: St. Petersburg, then Clearwater, the county seat, and Largo.
  • Unincorporated, on the county permit office: Palm Harbor, East Lake, Lealman and West Lealman.
  • Highest Helene surge readings: Madeira Beach and Clearwater Beach.
  • Storm-rebuild packets on file: St. Pete Beach, Redington Shores and Largo.
  • Historic districts: St. Petersburg, Tarpon Springs and Pass-a-Grille in St. Pete Beach.

Cities and towns

Places we serve in Pinellas County

  • St. PetersburgCity · 258,308 people (2020)
  • ClearwaterCity · 117,292 people (2020)
  • LargoCity · 82,485 people (2020)
  • Palm HarborCensus-designated place · 61,366 people (2020)
  • Pinellas ParkCity · 53,093 people (2020)
  • DunedinCity · 36,068 people (2020)
  • East LakeCensus-designated place · 32,344 people (2020)
  • Tarpon SpringsCity · 25,117 people (2020)
  • LealmanCensus-designated place · 21,189 people (2020)
  • SeminoleCity · 19,364 people (2020)
  • Safety HarborCity · 17,072 people (2020)
  • West LealmanCensus-designated place · 16,438 people (2020)
  • OldsmarCity · 14,898 people (2020)
  • GulfportCity · 11,783 people (2020)
  • St. Pete BeachCity · 8,879 people (2020)
  • Treasure IslandCity · 6,584 people (2020)
  • South PasadenaCity · 5,353 people (2020)
  • Kenneth CityTown · 5,047 people (2020)
  • BelleairTown · 4,273 people (2020)
  • Madeira BeachCity · 3,895 people (2020)
  • Indian Rocks BeachCity · 3,673 people (2020)
  • Belleair BluffsCity · 2,311 people (2020)
  • Redington ShoresTown · 2,176 people (2020)
  • Belleair BeachCity · 1,633 people (2020)
  • North Redington BeachTown · 1,495 people (2020)
  • Redington BeachTown · 1,376 people (2020)
  • Indian ShoresTown · 1,190 people (2020)
  • Belleair ShoreTown · 73 people (2020)

Questions

Roofing questions in Pinellas County

Who issues a roof permit in Pinellas County?

It depends on whether your address is in a city with its own building department. Pinellas County Building Services covers unincorporated land, including Palm Harbor and East Lake, plus six municipalities that use the county: Belleair Beach, Belleair Shore, Indian Rocks Beach, Kenneth City, Oldsmar and Safety Harbor. St. Petersburg, Clearwater, Largo and most other cities issue their own permits, Belleair Bluffs and North Redington Beach work through SAFEbuilt, and Redington Beach is served by Redington Shores. The office changes; the code does not, and every re-roof needs a permit and two inspections.

Source: Pinellas County, "Building Departments in Pinellas County" (official), read Oct 5, 2026

Related

Is Pinellas County in the High-Velocity Hurricane Zone?

No. The Florida Building Code limits that zone to Broward and Miami-Dade, so Pinellas roofs follow the code's standard roofing chapters and Florida's statewide product approval rather than the zone's separate rules. The coast still runs high numbers. Treasure Island lists wind speed requirements of 147 to 150 mph, and Debby's 2024 gusts reached 61 knots at the Skyway Fishing Pier and 55 knots at Clearwater Beach. For your own house, the ASCE 7-22 hazard tool gives the design wind speed by address, and that figure decides the Region on a wind mitigation form.

Source: FBC-Building 2023 Chapter 2 definitions, read Oct 5, 2026

Related: FAQ

Are most Pinellas County roofs past Florida's 15-year line?

Census data dates houses, not roofs. Still, the county's median home was built in 1977 and 87.5% predate 2000, so any house still under its original roof is far past 15 years. Florida's roof-age law, Fla. Stat. 627.7011(5), bars an insurer from refusing or non-renewing a homeowner's policy only because a roof is under 15 years old, and for an older roof it must allow an inspection before requiring replacement. Your insurer or agent can explain how your policy applies it.

Source: Florida Statutes, section 627.7011 (2026), read Oct 4, 2026

Do Pinellas beach towns have extra rules for storm-damaged homes?

Several do, and they grow out of flood rules rather than the roofing code. Indian Shores describes the entire town as a special flood hazard area, and Redington Shores wants a Substantial Improvement packet with its storm permits; St. Pete Beach and Largo publish their own damage-review steps. When storm damage is part of the job, ask the town's building office how it will review the project before materials are ordered, because that review can change the scope.

Source: City of St. Pete Beach; Town of Redington Shores; City of Largo (official), read Oct 5, 2026

Do historic districts in St. Petersburg, Tarpon Springs or Pass-a-Grille affect a new roof?

They can. St. Petersburg has 11 local historic districts, and exterior modifications inside them need a Certificate of Appropriateness. Tarpon Springs has a Local Historic District with its own design review guidelines, along with National Register districts, and the Pass-a-Grille Historic District sits in St. Pete Beach. Before choosing a material, color or tile profile, ask the city's preservation or building staff whether a new roof on your house needs review; the Design Studio lets you compare looks first.

Source: City of St. Petersburg; City of Tarpon Springs (official); Wikipedia (St. Pete Beach), read Oct 5, 2026

Related: Design Studio

Which months bring hurricanes to Pinellas County?

Mostly late summer and fall. NOAA's Atlantic season runs from June 1 to November 30 and peaks around September 10. The nine FEMA declarations that covered Pinellas from 2016 to 2024 were dated between July 4, for Elsa in 2021, and November 11, for Eta in 2020, and three, for Hermine, Ian and Helene, were dated in the last days of September. Winter and spring are the calmer stretch for a planned re-roof and the inspections that go with it.

Source: NOAA NHC, read Oct 5, 2026

Related: FAQ

Next door

Neighboring counties we serve

Sources for this page(49)
  1. 1.Share of homes built 2010 or later: 5.8%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  2. 2.Share of homes built before 1980: 58.8%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  3. 3.Share of homes built before 2000: 87.5%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  4. 4.NOAA NCEI U.S. Climate Normals 1991-2020, stations USC00087886 ST PETERSBURG and USW00012873 ST PETERSBURG INTL AP. Read Oct 5, 2026.
  5. 5.Wikipedia, "Pinellas County, Florida" (secondary). Read Oct 5, 2026.
  6. 6.Town of Indian Shores; City of Treasure Island (official). Read Oct 5, 2026.
  7. 7.NOAA NHC Tropical Cyclone Report: Hurricane Helene. Read Oct 5, 2026.
  8. 8.Housing units (2020 Census): 516,324. U.S. Census Bureau, 2020 Census (HU100) via TIGERweb tigerWMS_Census2020 layer 82. Read Oct 5, 2026.
  9. 9.Land area: 273.8 sq mi. U.S. Census Bureau TIGERweb Census 2020 county geography (AREALAND). Read Oct 5, 2026.
  10. 10.Pinellas County, "Building Departments in Pinellas County" (official). Read Oct 5, 2026.
  11. 11.City of St. Pete Beach; Town of Redington Shores; City of Largo (official). Read Oct 5, 2026.
  12. 12.City of St. Petersburg; City of Tarpon Springs (official); Wikipedia (St. Pete Beach). Read Oct 5, 2026.
  13. 13.U.S. Census Bureau ACS 2020-2024 5-year, table B25024. Read Oct 5, 2026.
  14. 14.City of St. Petersburg, Building Permits (official). Read Oct 5, 2026.
  15. 15.Median year homes were built: 1977. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  16. 16.Mobile homes, share of housing units: 9%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  17. 17.Owner-occupied share of occupied homes: 69.5%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  18. 18.Permit office: Pinellas County Building and Development Review Services - Building Services (unincorporated Pinellas plus Belleair Beach, Belleair Shore, Indian Rocks Beach, Kenneth City, Oldsmar and Safety Harbor). Pinellas County Building and Development Review Services - Building Services (unincorporated Pinellas plus Belleair Beach, Belleair Shore, Indian Rocks Beach, Kenneth City, Oldsmar and Safety Harbor). Read Oct 5, 2026.
  19. 19.Single-family detached share of housing units: 48%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  20. 20.Hurricane Hermine (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine. Read Oct 5, 2026.
  21. 21.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma. Read Oct 5, 2026.
  22. 22.Hurricane Eta (2020). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta. Read Oct 5, 2026.
  23. 23.Tropical Storm Elsa (2021). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Elsa. Read Oct 5, 2026.
  24. 24.Hurricane Ian (2022). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Ian. Read Oct 5, 2026.
  25. 25.Hurricane Idalia (2023). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Idalia. Read Oct 5, 2026.
  26. 26.Hurricane Debby (2024). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Debby. Read Oct 5, 2026.
  27. 27.Hurricane Helene (2024). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Helene. Read Oct 5, 2026.
  28. 28.Hurricane Milton (2024). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Milton. Read Oct 5, 2026.
  29. 29.Share of homes in buildings with 5+ units: 30.1%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  30. 30.Water share of total area: 68.1%. U.S. Census Bureau TIGERweb Census 2020 county geography (AREAWATER / total); includes bay and Gulf waters inside the county boundary. Read Oct 5, 2026.
  31. 31.People (2020 Census): 959,107. U.S. Census Bureau, 2020 Census (POP100) via TIGERweb tigerWMS_Census2020 layer 82. Read Oct 5, 2026.
  32. 32.U.S. Census Bureau ACS 2020-2024 5-year, tables B25035 and B25034. Read Oct 5, 2026.
  33. 33.Senate SB 808 staff analysis pp. 3-4, Senate SB 808 staff analysis pp. 3-4. Read Oct 5, 2026.
  34. 34.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), 2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription). Read Oct 5, 2026. unofficial transcription; verify on floridabuilding.org
  35. 35.FBCR Ch. 9, FBCR Ch. 9. Read Oct 4, 2026.
  36. 36.Florida Statutes, section 718.112 (2026), Florida Statutes, section 718.112 (2026). Read Oct 5, 2026.
  37. 37.FBC-Building 2023 Chapter 2 definitions, FBC-Building 2023 Chapter 2 definitions. Read Oct 5, 2026. unofficial transcription; verify on floridabuilding.org
  38. 38.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13. Read Oct 5, 2026.
  39. 39.Miami-Dade County RER notice, Miami-Dade County RER notice. Read Oct 5, 2026.
  40. 40.FBCR Ch. 2, FBCR Ch. 2. Read Oct 5, 2026.
  41. 41.OIR form, OIR form. Read Oct 4, 2026.
  42. 42.Florida Statutes, section 553.842 (2026), Florida Statutes, section 553.842 (2026). Read Oct 5, 2026.
  43. 43.FBC-B 2023 Ch. 1, FBC-B 2023 Ch. 1. Read Oct 5, 2026.
  44. 44.FEMA FL-RA2, FEMA FL-RA2. Read Oct 5, 2026.
  45. 45.ICC Building Safety Journal, Karl Fippinger, 2024-02-07, ICC Building Safety Journal, Karl Fippinger, 2024-02-07. Read Oct 5, 2026.
  46. 46.2023 Florida Building Code, Residential, 8th ed., Chapter 8 (UpCodes viewer, unofficial transcription), 2023 Florida Building Code, Residential, 8th ed., Chapter 8 (UpCodes viewer, unofficial transcription). Read Oct 5, 2026. unofficial transcription; verify on floridabuilding.org
  47. 47.Florida Statutes, section 627.7011 (2026), Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  48. 48.NOAA NHC, NOAA NHC. Read Oct 5, 2026.
  49. 49.NOAA Atlas 14 at Tampa, the nearest point in our data: 9.61 in/hr (5-minute, 10-year). NOAA Atlas 14 Volume 9 (Southeastern States) version 2, partial-duration series point estimates, via the HDSC PFDS endpoint (ops/research/v3/services/data/noaa-atlas14-florida-rainfall.tsv). Read Oct 5, 2026.

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