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Roofing in Treasure Island, Florida

The City of Treasure Island states its wind speed requirements as 147-150 mph, Wind Exposure D. That number matters for any roof replacement you plan here. Treasure Island is a barrier island only about three feet above sea level, and the building rules reflect that exposure. If you own a home on the island, the housing age, the local building office and the rules that often decide what a roof job must include all shape your next step.

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Updated October 2026

A Treasure Island beach park sign stands beside palm trees, a white pavilion, and a walking path.
Photo: Sunset Beach,Treasure Island,Florida. by Roman Eugeniusz, CC BY-SA 3.0, cropped

At a glance

Treasure Island homes at a glance

People (2020 Census)
6,584
Median year homes were built
1970
Share of homes built before 1980
75.3%
Share of homes built 2010 or later
3%
Owner-occupied share of occupied homes
74.4%

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

Housing age

Island homes from 1970 mean many aging roofs

The median home here was built in 1970, according to the latest Census survey. Nearly all homes, 93.6 percent, date from before 2000. Of those, just 3 percent went up in 2010 or after. Given that mix, many original roofs on this island are probably well past 25 years old. Confirm a roof's age with the permit record before you assume anything.

Because so much of the housing is old, insurers look closely at roof age. For a soft roof such as shingle that is over 25 years old, Citizens Property Insurance requires proof that at least five years of useful life remain. Hard roofs such as tile or metal get that rule at 50 years. Ask your insurer or agent how these thresholds apply to your policy.

Permits and review

Who issues roof permits on Treasure Island?

Treasure Island runs its own Building Division, so the city issues roof permits here rather than the county. Check the city's Building Division page before you start, since permit rules and forms are set there.

Florida's 25 percent rule can change the scope of a partial repair. Under the current code, no more than 25 percent of an existing roof area can be repaired, replaced or recovered in any 12-month period unless the entire roof covering is replaced. A roof built or repaired under the 2007 code or a later edition may qualify for a narrower path, where only the repaired part must meet current code. Your building office will tell you which path applies to your roof.

Building permits

City of Treasure Island - Building Division

Official building page

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

Storms and rain

What do Treasure Island storms and rain mean for your roof?

Treasure Island sits in a county that has about 587 miles of coastline and 11 barrier islands. In Hurricane Helene in 2024, most of Pinellas County's storm surge deaths happened on the barrier islands between St. Pete Beach and Indian Rocks Beach, a stretch that includes this island. Your roof is only one part of your exposure, so review the roof edges, flashing and fasteners after each big storm.

Rain is also a factor here. Normal annual precipitation at St. Petersburg is 52.48 inches, and about 62 to 63 percent of it falls from June through September, by our arithmetic from the monthly normals. In a 10-year storm, a 1-hour rain falls at 2.83 inches per hour, according to NOAA Atlas 14 for this location. Check gutters and roof drainage before the rainy season.

  • Look for lifted shingle edges and loose flashing after storms.
  • Clear gutters and downspouts before June.
  • Ask the building office whether a post-storm permit or damage review applies.

Local record

On record for Treasure Island

  • The city states its wind speed requirements as 147-150 mph, Wind Exposure D.
  • A barrier island with an elevation of only about three feet; post-war construction often used fill from dredged material to extend land toward Boca Ciega Bay.

Services

Roofing services in Treasure Island

Questions

Treasure Island roofing questions

What is the 25% roof rule in Florida?

Under the 25 percent rule, no more than a quarter of an existing roof may be fixed, swapped out or layered over within any 12-month span before the entire covering must meet current code. On Treasure Island, the City's Building Division applies it to your permit. A roof built or repaired under the 2007 code or later may fall under a narrower path. Ask the Building Division which path your roof falls under before you sign any contract.

Source: 2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), read Oct 5, 2026

Related: Roof replacement

What is the new law in Florida about roofs?

The Florida Building Code's Ninth (2026) Edition takes effect at the end of 2026, and applications filed after that point must follow it. Treasure Island's wind design standard is 147-150 mph, Wind Exposure D, so check with the City's Building Division about what the new edition changes for your project.

Source: Miami-Dade County RER notice, read Oct 5, 2026

Related: Roof replacement

How old are most homes on Treasure Island?

The median year homes were built here is 1970, with a margin of error of plus or minus 3 years. About 93.6 percent of homes were built before 2000, and 75.3 percent before 1980. Our arithmetic suggests that a large share of roofs in service today have passed the 25-year mark. Check your own permit history with the Building Division to confirm your roof's age.

Source: U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

Does my insurer need a roof age report on Treasure Island?

Citizens Property Insurance requires documentation of at least five years of remaining useful life for roofs older than 25 years if the roof is soft, such as shingle, or older than 50 years if it is hard, such as tile or metal. Your policy and insurer decide what applies to you. Ask your insurer for the exact requirements on your policy before you schedule any work.

Source: Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), read Oct 4, 2026

Related: Roof inspections

How much rain should I plan for on a Treasure Island roof?

NOAA Atlas 14 for this location shows a 1-hour rain in a 10-year storm falls at 2.83 inches per hour, and a 24-hour rain in a 10-year storm totals 7.36 inches. Normal annual precipitation at St. Petersburg is 52.48 inches. Clear your gutters and check drainage before the June to September rainy season.

Source: NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Treasure Island 2020 Census internal point (27.7640, -82.7688), read Oct 5, 2026

Related: Gutters

Nearby

Near Treasure Island

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Pinellas County

More in Pinellas County

Sources for this page(30)
  1. 1.Median year homes were built: 1970. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  2. 2.Share of homes built before 2000: 93.6%. 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 2010 or later: 3%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  4. 4.Permit office: City of Treasure Island - Building Division. City of Treasure Island - Building Division. Read Oct 10, 2026.
  5. 5.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Helene. Read Oct 5, 2026.
  6. 6.Wikipedia, "Pinellas County, Florida" (secondary). Read Oct 5, 2026.
  7. 7.Hurricane Hermine (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine. Read Oct 5, 2026.
  8. 8.Pinellas County, "Building Departments in Pinellas County" (official). Read Oct 5, 2026.
  9. 9.City of St. Pete Beach; Town of Redington Shores; City of Largo (official). Read Oct 5, 2026.
  10. 10.City of St. Petersburg; City of Tarpon Springs (official); Wikipedia (St. Pete Beach). Read Oct 5, 2026.
  11. 11.NOAA NCEI U.S. Climate Normals 1991-2020, stations USC00087886 ST PETERSBURG and USW00012873 ST PETERSBURG INTL AP. Read Oct 5, 2026.
  12. 12.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma. Read Oct 5, 2026.
  13. 13.Hurricane Eta (2020). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta. Read Oct 5, 2026.
  14. 14.City of Treasure Island, Building Division (official). Read Oct 5, 2026.
  15. 15.Wikipedia, "Treasure Island, Florida" (secondary source). Read Oct 5, 2026.
  16. 16.Share of homes built before 1980: 75.3%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  17. 17.People (2020 Census): 6,584. U.S. Census Bureau, 2020 Census (POP100) via TIGERweb tigerWMS_Census2020. Read Oct 5, 2026.
  18. 18.Owner-occupied share of occupied homes: 74.4%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  19. 19.U.S. Census Bureau, Census 2020 place geography (AREALAND/AREAWATER) via TIGERweb tigerWMS_Census2020. Read Oct 5, 2026.
  20. 20.U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  21. 21.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
  22. 22.City of Treasure Island - Building Division, City of Treasure Island. Read Oct 5, 2026.
  23. 23.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  24. 24.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  25. 25.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine, NOAA National Hurricane Center. Read Oct 5, 2026.
  26. 26.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Treasure Island 2020 Census internal point (27.7640, -82.7688), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  27. 27.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma, NOAA National Hurricane Center. Read Oct 5, 2026.
  28. 28.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta, NOAA National Hurricane Center. Read Oct 5, 2026.
  29. 29.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  30. 30.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Treasure Island 2020 Census internal point (27.7640, -82.7688), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.

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