Do you need flood insurance when you purchase a home in Pinellas County, FL? That really depends on where you purchase, if you have a mortgage, and the level of risk you are willing to have.
There are really a lot of factors that go into flood insurance rates. For example, sometimes the lot may be in a higher risk flood zone, but the house itself is in a lower one. It's always best to speak to an expert rather than possibly spend more money than necessary or risk your investment altogether.
If you have questions about flood insurance or the flood zone of a property, contact me. I'm happy to give you information and referrals to insurance agents who can help you decide about flood insurance.