Latest Storm Information

This webpage was updated Jan. 13, 2025.

The city of Clearwater is continuing to recover from the impact of hurricanes Helene and Milton.


We Are Still Shining

The city of Clearwater has worked hard to restore the beaches to the bright and beautiful places we all know and love. Here is the current update regarding the status of our beach re-beautification efforts:

  • Clearwater Beach's white sugar sand is open and ready to welcome visitors. The beach parking lots have reopened.
  • Lifeguards are patrolling the beach.
  • The Florida Department of Health has resumed water quality testing and deemed the water on Clearwater Beach to be good. Click here to view the water quality report.
  • The Sunsets at Pier 60 Park festival has resumed and takes place daily from 4 to 8 p.m. at Pier 60 Park at Clearwater Beach. Learn more at SunsetsAtPier60.com
  • Pier 60 fishing pier will remain closed until further notice. A structural assessment by an engineer is needed to determine the level of damage that occurred during the storms. 

For information regarding the operations of specific businesses please check out Visit St.Pete-Clearwater or Amplify Clearwater.


Solid Waste and Recycling Updates

Residential Debris Removal:

  • The city debris management team has successfully completed two passes for the removal of residential debris, including vegetation and construction and demolition debris.

Commercial Construction and Demolition Debris Removal:

  • The city has completed one pass of Commercial construction and demolition debris removal.

Moving Forward:

  • Effective Jan. 10, all residents and commercial customers are responsible for procuring dumpsters to manage any further construction debris.
  • The city's Solid Waste Department offers a variety of dumpster options to suit your needs.
  • Please contact the city's solid waste operations team at (727) 562-4920 for more information and to arrange for dumpster rentals.

Next Steps:

  • Tree Stump Removal: The city will continue the removal of tree stumps, leaners and hangers.
  • Debris Transportation: Ongoing efforts will focus on transporting collected debris to its designated final destination.
  • DMS Site Restoration: The city will commence the restoration of impacted debris management sites, such as Marymont and Woodgate parks.

We understand this has been a challenging time for our community. We appreciate your patience and cooperation as we continue to work diligently to restore our city.


Rebuilding After the Storm.png

Clearwater Waives Permit Fees; Pop-Up Permit Site on Clearwater Beach

It's difficult to lose so much of what makes your house a home. We understand the idea of repairing and rebuilding is overwhelming, and we are here to help you build back stronger.

In the aftermath of Hurricanes Helene and Milton, the city of Clearwater will waive building plan review and permit fees, which has been extended, through March 31, 2025 for residents and business owners trying to make repairs after the storms. The waiver will be for those customers across the city who were impacted by the storms.

The city has opened a pop-up permitting site located on the beach that will make it easier for residents and business owners on the Clearwater barrier islands to talk with employees from the Planning and Development Department and begin the permitting process. That site is located on the tennis courts by the Clearwater Beach Pool, 51 Bay Esplanade, and will be open weekdays from 8 a.m. to 4:30 p.m.

Contractors and residents can apply for building permits at the pop-up permitting site or at the Municipal Services Building, 100 S. Myrtle Ave., Monday through Friday, from 8 a.m. to 4:30 p.m. The Planning and Development Department is located on the second floor. Contractors can also apply for permits online at MyClearwater.com/Permits.

Residents or business owners who need repairs are reminded to always use licensed contractors. For more information on the permitting process, call 727-562-4567 or email epermit@myclearwater.com.

Contractors and Rebuilding After The Storm

It's difficult to lose so much of what makes your house a home. We understand the idea of repairing and rebuilding is overwhelming, and we are here to help you build back stronger.

In order to participate in the National Flood Insurance Program (NFIP),the city of Clearwater has adopted flood damage prevention regulations which may affect how you repair, remodel, renovate or add on to your building in order to better protect lives and investment from future flood damages if it is located in flood hazard area.

Visit MyClearwater.com/RebuildingAfterStorm for more information on what to do after your property is damaged, what work requires a permit and what does not, and other frequently asked questions.

Unpermitted, uninspected work to repair damage may reduce the safety and value of affected properties and will jeopardize the 25% discount on flood insurance currently applied to all residents with a federal flood insurance policy in Clearwater through FEMA's Community Rating System.

After a disaster, qualified contractors are usually in high demand. Scammers or unqualified out-of-state workers may take advantage of Floridians in need of expert service.

If you have been approached to have work done on or at your home, you can check if that individual is licensed through the Department of Business and Professional Regulation (DBPR) by going to myfloridalicense.com and the Pinellas County Construction Licensing Board at ContractorSearch.pcclb.com.


Avoid becoming a victim of post-storm scams! Residents who suspect price gouging can report it by calling the Pinellas County Consumer Protection at (727) 464-6200 or online at pinellas.gov/consumer and also to the Attorney General’s hotline at 1-866-9-NO-SCAM.

Business Recovery Task Force Recommendations

PLANNING AND BUILDING DEPARTMENT

Automatically extend all eligible building permit applications and Development Orders for a period of 24 months pursuant to Gov. DeSantis’s Executive Order declaring a state of emergency and Chapter 252, Florida Statutes.

The Florida Statutes provide an opportunity for permit holders to extend certain permits due to declared states of emergency.  According to Section 252.363(1)(b), permit holders are responsible for requesting these extensions.  

Our team will reach out electronically using contact information on file to inform all open permit holders about the option of requesting an extension along with the instructions on how to do so. In addition, we will also include this information on our website and include in updated mailings. 

If a permit holder does not request an emergency extension, it’s important to know the Building Official has the authority to extend building permits for good faith efforts. To maintain an active permit status, only one inspection is required within a 180-day period. However, if a development order or permit has already been extended in accordance with previous emergency orders, the full 24-month extension may not be available to them. Additionally, holders of development orders should also be aware that they can seek extensions through the Community Development Coordinator and/or the Community Development Board.  

Create mobile permitting station(s) to assist businesses with permitting questions as well as review and expedite permit granting.

The city opened a pop-up permit center in a Police Command bus located at the Beach Recreation Center on Oct. 15th after the original scheduled opening of Oct. 8th was delayed by Hurricane Milton. Permitting and floodplain management questions are being answered and certain permits can be issued on the spot. The location of the pop-up center has transitioned to the pool building at the rec center at 51 Bay Esplanade. 

Waive permit and development review application fees, inspection fees, and impact fees for all applications for repair and replacement resulting from the hurricanes.

Permit fees for all repairs needed due to damage caused by hurricanes Helene and Milton are being waived for 90 days (Jan. 10th). This can be extended if needed.

Adopt proposal for commercial establishments to repair Hurricane damage as outlined below:

1.  Establishments will not violate the 50% rule. The Federal Emergency Management Agency’s (FEMA) 50% rule is a regulation that limits the cost of repairs and improvements to a structure in a flood zone to less than 50% of its market value. The rule is part of the National Flood Insurance Program (NFIP).The 50% rule applies to non-conforming structures, which are structures that are not in compliance with current flood regulations.

2.  Establishments can use 30% of the FEMA allowance and begin repairs without any permit.

3.  Establishments must have licensed contractors perform all work.

4.  Establishments must photograph all the work performed. Example: interior walls before closing them in, showing electrical repairs, etc.

5.  Once work is complete, establishments must apply for the permit and submit their photographs with the permit application.

Note: If the work shown in the photos was not done correctly, businesses will be required to tear out work performed and fix within the guidelines.

City staff understands the need and urgency of moving quickly to repair damaged businesses. Permits related to damaged properties are being provided priority review through the staffing of the pop-up permit center located on Clearwater Beach. The Planning and Development Department is also in the process of obtaining additional Building Plans Examiners that will be dedicated to reviewing permit applications related to storm damage in the floodplain. It should also be noted that the city provides next-day inspections for any project requesting an inspection before midnight.

To obtain a permit for restoration work the following processes and rules should be followed:

  1. You must have a licensed contractor.
  2. The contractor must provide a list of the work to be done, a hand sketch of the room or area the work is being done in, a written description of the work to be performed in each room or area, and a list that includes the estimated value of the work. 
  3. You must provide the Pinellas Couty Property Appraisers letter showing the amount that can be spent under the 50% rule. Note: All work within the past 12 months count toward the non-substantial 50% grand total allowable if the property is below the base flood elevation. 
  4. Take pictures of the work before construction and then after construction.
  5. You must meet the inspection criteria by meeting one of the 3 following options:
    1. A licensed architect or engineer certified for inspections who signs off on all the work
    2. You can self-certify by having each subcontractor provide a letter certifying they have done the work according to the Florida Building Code.
    3. Use city inspectors

To comply with the National Floodplain Insurance Program, permits must be issued within the special flood and coastal high hazard areas prior to work being performed. Circumventing this process could not only jeopardize the city’s ability to participate in the insurance program, it could also result in a property owner unknowingly creating a substantial improvement/damage that would have unwanted and expensive ramifications for the owner.    

Please see FEMA Publication 213 “Answers to Questions About Substantially Improved/Substantially Damage Buildings” dated August 2018 which specifically answers the question about suspending permit requirements for the repair of damaged buildings (see question 32).

https://www.fema.gov/sites/default/files/2020-07/fema_p213_08232018.pdf

For smaller establishments or those with less damage; Adjust the monetary threshold required to apply for a permit for repairs. The current threshold is $500 or more in repairs requires a permit.  Additionally,  consider waiving permitting requirements for repairs such as; any drywall repair 2 feet or less  from the finished floor;  new  roof  covering, or the recovering, re-roofing or repairing of an existing roof covering, either of which is five hundred (500) square feet or less;  painting, papering, tiling, carpeting, cabinets, countertops, and similar finish  work; fence Repair & Replacement; repair of soffits & facia; replacement of front and rear exterior doors (keeping existing framing).

It would be difficult to adjust the threshold for permitting for a small segment of properties in the city. Permit fees have been waived for all work associated with repairs that require a permit, and many permits can be issued the same day or within 1 business day.  

The following work does not need a building permit, however, if a property is substantially damaged and located in a flood hazard area, these will be part of the project value for substantial improvements:

  • Painting, papering, tiling, carpeting, cabinets, countertops, and similar finish work.
  • Repair of small areas of damaged soffits and facia
  • Repair of a small and minor roof leak less than $500.
  • Repair of existing exterior doors provided existing frame is not impacted.  
  • Replacement of broken windowpanes

Staff discussed drywall repair 2 feet or less from the finished floor and believe this requirement should not be waived for several reasons. It is important to see what is behind the wall as water damage over time can impact structural stability. Also, saltwater can rust the various fasteners behind the drywall. The Florida Building Code also has requirements for fastening and inspections should be conducted. It is possible for much older homes to also have electric outlets on the baseboards.  Lastly, drywall sheets come in a standard size of four feet by eight feet so most repairs will remove up to four feet of drywall. A major factor in permitting and inspections is to minimize damage in the event of another flood event. Proper construction can minimize the damage and cost of repair in future flood events.  

FEMA

To the greatest extent possible, work with property owners to ensure their repairs and replacement are considered less than 49% of the value of the structure to avoid the cost of complying with the FEMA 50% rule including working proactively with property owners on phasing repairs and replacement efforts.

The city and the Planning and Development Department understands the very difficult choices our residents and business owners are facing with the damage sustained by hurricanes Helene and Milton. Staff has been and will continue to counsel property owners on the requirements of the 50% rule and will discuss options for compliance.  Staff continues to advise owners to have a 10% contingency because most renovation projects have unexpected costs that, if not planned for, could result in a project resulting in a substantial improvement. Phasing of a project that exceeds the 50% threshold is in violation of the city’s participation with the National Floodplain Insurance Program. Staff is in the process of scheduling a town hall meeting to go over the 50% rule with our community, additional information and a date will be announced soon.

Amend Comprehensive Plan Section 5.1.5 which provides: “Allow for the redevelopment of structures in the AE and V Zones where damage is greater than 50% of the assessed value prior to damages, consistent with adopted densities or as-built densities at the time of the storm damage and in accordance with applicable codes, the CDC, and FEMA requirements” to include replacing density and intensity for allow replacement of commercial and accessory uses and not just residential density units. The City should also consider this effective immediately under the Pending Ordinance Doctrine to allow for its immediate effect.

It would be beneficial to understand the extent of properties in the AE and V zone that have nonconforming FAR as this is not something staff has seen. The Resort Facilities High Future Land Use category would govern most of these properties and allows a FAR of 1.0. This means that the total interior floor area of a building measured at the inside face of the exterior walls, but excluding parking garages, stairwells, and elevator shafts can equal the land area on which the building sits.  

The process to amend the Comprehensive Plan is lengthy (approximately 9 months) and requires City, County and State approval. The City Attorney has advised that the pending ordinance doctrine likely does not apply to comprehensive plan amendments, being that such amendments require approval of several independent government entities. Therefore, it is not likely that an amendment could be applied retroactively to a property if a substantial damage/substantial improvement determination has been made prior to the adoption of the ordinance. 

DEBRIS REMOVAL

Currently, Pinellas County dump is not an approved site for FEMA commercial contractor debris disposal. Identify solutions within the city to assist business owners with debris removal.

As of 10/29/24 we have received additional guidance regarding commercial debris removal, and we will have a new plan updated and implemented very soon. 

COUNTY COORDINATION

Coordinate with Pinellas County municipalities identifying common rules for all cities and create messaging on behalf of entire county.

We meet regularly with the County Administrator and the other Pinellas County administrators; our next meeting is on 11/1 where this topic is going to continue to be discussed. 

TOURISM DEVELOPMENT COUNCIL

Collaborate with Visit St Pete/Clearwater to identify additional dollars to communicate with our markets that Clearwater & Clearwater Beach/Pinellas Beaches will be ready by spring break of 2025 and to plan your vacations now.

This is ongoing as well. We coordinated a press conference with VSPC/Amplify and our Public Communications team is currently working on a national news pitches to further that message. Visit Florida and Visit St. Pete Clearwater are both planning to invest significant dollars into these types of campaigns prior to spring break 2025.


Business, Assistance & Unemployment Resources

SBA & SBDC Business Assistance Programs

Businesses impacted by the hurricanes can access disaster recovery assistance and emergency loan programs. 


SBA Disaster Assistance Loans

SBA has received additional funding and resumed disaster loan offers. Eligible businesses can apply for up to $500,000 to assist with physical damage, mitigation assistance, and economic injury.

  • Physical disaster loans: The deadline to apply for physical property damage is January 7, 2025. 
  • Economic injury disaster loans: The deadline to apply for Hurricane Helene is June 30, 2025, and the deadline for Hurricane Milton is July 11, 2025

Visit the SBA's website to learn more and apply:https://www.sba.gov/funding-programs/disaster-assistance


Do you need more time to submit your disaster loan application?

SBA is still accepting applications for disaster assistance

We understand there can be various reasons that may have delayed your disaster loan application submission. We want to ensure you have enough time to complete your loan application with SBA. There is still time to apply for a disaster loan to support your recovery.

Submitting a late disaster loan application?

SBA will accept all disaster loan applications up to 60 days after the filing deadline without an explanation of why you were delayed. You can apply online using the MySBA Portal at https://lending.sba.gov.

This declaration’s filing deadline has ended. You may still apply through MySBAPortal.

Submitting a disaster loan application more than 60 days past the filing deadline?

SBA may accept applications received more than 60 days after the deadline when the SBA determines the late filing resulted from causes essentially beyond your control. You can request assistance with a late application by contacting the SBA Customer Service Center (CSC) via email at disastercustomerservice@sba.gov or by phone at 1-800-659-2955 (TTY: 7-1-1), or in person at an SBA Recovery Center. 


U.S. Small Business Administration (SBA) Business Physical Disaster Loans

Qualified businesses and most private non-profit organizations located in a declared disaster area that incurred damage during a disaster may apply for a low-interest loan to help replace or restore damaged property if federal assistance is activated.

Loans to businesses to repair or replace disaster-damaged property owned by the business, including real estate, inventories, supplies, machinery and equipment. Businesses of any size are eligible. Private, non-profit organizations such as charities, churches, private universities, etc., are also eligible.

To find active disaster declarations and associated assistance: https://www.sba.gov/funding-programs/disaster-assistance


U.S. Small Business Administration (SBA) Economic Injury Disaster Loans (EIDL)

If federal assistance is activated and you are in a declared disaster area, have suffered substantial economic injury regardless of physical damage, and you are a small business, small agricultural cooperative, or private nonprofit organizations, you may qualify for an EIDL. EIDLs provide working capital to help businesses survive until normal operations resume after a disaster.

A business may qualify for both an EIDL and a physical disaster loan: https://www.sba.gov/funding-programs/disaster-assistance


Business Continuity and Disaster Preparedness - SBDC Tampa Bay

Florida SBDC Network, provides short-term, interest-free working capital loans intended to help impacted businesses “bridge the gap” between the time a major catastrophe hits and when a business has secured long-term recovery resources, such as insurance claims or federal assistance. Eligible businesses with two to 100 employees may apply for loans up to $50,000 for 90 or 180-day terms. Visit www.FloridaDisasterLoan.org for full details.

Clearwater Business Assistance

Businesses impacted by the recent hurricanes can now access disaster recovery assistance and emergency loan programs.

  • Contact Clearwater Economic Development for assistance in filling out the Business Damage Assessment Survey, and with questions about disaster loans and additional business resources at 727-562-4030.
  • Interested businesses can meet with consultants from Pinellas County’s Florida Small Business Development Center (SBDC) to get more information by calling (727) 453-7200 or emailing businesshelp@pinellas.gov.
  • If you need additional assistance with your business, please call the State’s private sector hotline at 850-815-4925, open daily, 8 a.m. to 5 p.m., or email ESF18@em.myflorida.com.

Submit a Business Assistance Ticket through our Storm Damage Ticket System

Clearwater Disaster Assistance Grant Program

The city of Clearwater has launched the Disaster Assistance Grant program for qualified residents who sustained damages or losses due to Hurricanes Helene and Milton. Eligible recipients will receive grants of up to $20,000 per household. The city is not obligated to recapture these funds.

Eligible grant activities include:

  • Repairs necessary to prevent further home damage or debris removal to ensure homes are habitable.
  • Reimbursement for emergency supplies purchased between Sept. 27, 2024, and Oct. 24, 2024, used to weatherproof damaged homes.
  • Insurance deductible payments for home repairs, up to $10,000.
  • Rental assistance, including up to three months’ rent and security deposits for displaced households.
  • Temporary offsite storage costs during active construction on damaged homes.
  • Inspections for life safety, structural concerns, and repairs related to hurricane damage.
  • Additional activities approved by the Florida Housing Finance Corporation. 

Individual homeowners earning up to $80,280 annually, or $114,600 for a family of four, may qualify. Grants will be awarded on a first-qualified, first-served basis within Clearwater city limits.

Applicants must meet the following criteria:

  • Household income must not exceed 120% of Area Median Income (AMI).
  • Properties must be homesteaded and owner-occupied.
  • Priority is given to special needs residents, elderly individuals as defined in Florida Statute 420.503, and households earning 80% or below the AMI.

Applicants must show proof of attempts to secure other funding resources, such as insurance claims, Federal Emergency Management Agency (FEMA) funds, and Small Business Administration support, before applying for State Housing Initiatives Partnership (SHIP) funding. SHIP funds will only cover expenses not supported by other sources. If a substantial wait exists for other funding, the city may waive this requirement.

For more information on eligibility, activities covered, and to download an application, visit myclearwater.com/DisasterAssistanceGrant. For paper applications or further questions, contact Economic Development and Housing Department at 727-562-4030.

Report Business Damage

Florida Commerce and the State Emergency Response Team activated the Business Damage Assessment Survey in response to the recent hurricanes. Business owners can self-report physical and economic damage caused by the recent hurricanes. Survey responses will allow the state to expedite recovery efforts by gathering data and assessing the needs of impacted businesses.

Businesses can complete the survey online by visiting https://floridajobs.org/floridadisaster.biz and selecting “Hurricane Helene” or "Hurricane Milton" from the dropdown menu.

Unemployment Assistance

FloridaCommerce announced that Disaster Unemployment Assistance (DUA) is available to businesses and residents whose employment or self-employment was lost or interrupted as a direct result of the recent hurricanes and are not eligible for regular state or federal Reemployment Assistance benefits.

Eligible Floridians whose employment or self-employment was lost or interrupted as a direct result of Hurricane Helene are encouraged to submit a claim at FloridaJobs.org.

Contractors

For Business Owners

All demolition and construction contractors in the state of Florida must be licensed, either by the state (known as state-certified contractors) or by the Pinellas County Construction Licensing Board (locally-certified contractors).

Out-of-State Contractors

  • The state of Florida has reciprocity with a very limited number of out-of-state jurisdictions. Contractors who are NOT licensed in the state of Florida CANNOT WORK in Pinellas County.
  • The PCCLB may grant temporary licenses to specialty contractors from other jurisdictions in Florida based on emergency orders by the state.

Unlicensed Contractors

  • The Pinellas County Construction Licensing Board, Pinellas County Consumer Protection and the Pinellas County Sheriff’s office enforce against unlicensed contracting. Fines for unlicensed contracting start at $500 and may escalate up to and including arrest.

Beware of Falling Victim to Scams

Many areas in the city of Clearwater have incurred severe property damage because of back-to-back impacts from Hurricane Helene and Hurricane Milton. Pinellas County Consumer Protection reminds residents to be cautious when hiring someone to make repairs. Avoid becoming a victim of a home improvement scam by recognizing these warning signs:

  • Watch out for “fly-by-night” contractors who take deposits and do little or no work. Avoid dealing with anyone soliciting work door-to-door; take the opportunity to check them out first.
  • Be wary of contractors who ask for advance payment in full. Pay upon completion or as the work progresses.
  • Beware of any contractor who tells you that extensive or structural repairs do not require a permit. The contractor should pull the required building permits, not the homeowner.

Keep the following tips in mind to ensure that your repairs are completed satisfactorily:

  • Deal only with licensed and insured contractors. Obtain their name, license number and proof of general liability and workers’ comp insurance.
  • In a state of emergency, as we have now, verify the license status of state-certified contractors online at www.myfloridalicense.com. A list of PCCLB-licensed, qualified and insured contractors can be found online using In a state of emergency, as we have now, verify the license status of state-certified contractors online at www.myfloridalicense.com. A list of PCCLB-licensed, qualified and insured contractors can be found online using the Contractor Search feature.
  • Be sure that you have a written contract that details the work to be completed. Also, retain proof of payment for the work in case you need it later.
  • Require the contractor to supply a final affidavit indicating that all subcontractors and suppliers used on the job are paid in full.
  • Ensure that the contractor has had the work inspected by the building department before you make final payment.
              

FEMA, Resources & Disaster Assistance

FDEM Statewide Residential Mitigation Program

The Florida Division of Emergency Management (FDEM) is excited to announce Florida's first statewide Residential Mitigation program, Elevate Florida. The goal of this program is to enhance community resilience by mitigating private residences against natural hazards. 

The following projects are eligible under the statewide Residential Mitigation program:

  • Structure Elevation: Physically raising an existing structure utilizing a variety of methods
  • Mitigation Reconstruction: Construction of an improved, elevated building where an existing building has been partially or completely demolished or destroyed
  • Structure Acquisition: A local community purchases a structure from voluntary sellers and the structure is demolished

More information about how and when to apply is coming soon. You can prepare for the application by putting together the following information:

  • Photos of any flooding inside or outside of the home (if available)
  • Photos of high-water marks and photos measuring the height of the marks
  • Insurance claim payouts or assistance documentation (if available)
  • Receipts or estimates for repairs from previous events
  • Records and receipts for any disaster-related assistance received
  • A list of aesthetic alterations to the home and year completed (if home is over 45 years old)
    • Window/door replacement
    • Roof replacement
    • Remodeling
    • Painting or re-siding
    • Additions, decks, landings, or garages
    • Any historic use of structure

If you have any questions about the program, email ResidentialMitigation@em.myflorida.com. You may also visit the Residential Mitigation Program Website, which will be updated as new developments are published.

FDEM Residential Mitigation Program Announcement(PDF, 374KB)

Home Disaster Loans

Home Disaster Loans: Loans to homeowners or renters to repair or replace disaster-damaged real estate and personal property, including automobiles.

Benefits of a disaster loan for homeowners and renters

  • Low-interest, fixed rate with terms up to 30 years
  • No payment and no interest for 12 months
  • Up to $500,000 to cover damage to primary residences
  • Up to $100,000 to replace personal property, including vehicles
  • Funds available to build back better and protect against future disasters (Mitigation)
  • No need to wait for insurance to settle before applying 

Refinance Options, Mitigation, and Relocation

Refinance Options:

Refinancing after a disaster can be a game-changer for homeowners and businesses looking to bounce back. This option offers a way to combine existing non federal debt with disaster loans, making it more manageable and affordable. It's not just for homeowners – business owners with real estate and machinery impacted by a disaster can also benefit. While non-profit organizations are not eligible, others still have plenty of opportunities to take advantage of this helpful tool. The refinancing amount is determined by the lesser of the loan balance at the time of the disaster or the verified uncompensated damage to the property. Specific requirements apply, such as not having credit available elsewhere and using the funds for property repair or replacement. It's a fantastic opportunity to get back on track after a difficult time.

Mitigation:

Protecting real estate and business property from future disasters is possible through mitigation measures that offer hope and security. These measures encompass the construction of sea walls, elevating structures, retrofitting buildings, and creating safe rooms. Existing measures can be repaired or replaced in a disaster using loan funds. Mitigation funds offer the potential for additional funding of up to 20% of the verified physical loss. Code-required upgrades linked to mitigation are also eligible for funding, providing a comprehensive approach to protecting against future disasters.

Relocation:

Relocation support becomes necessary when the borrower moves from the affected property to a new location, whether by choice or due to circumstances beyond their control. Relocation assistance is available for mandatory or involuntary reasons, such as when local authorities prohibit rebuilding, or the property is in a high-risk flood area. Eligible relocation costs covers the damaged structure, closing costs, and essential code upgrades at the new location. While there are limitations on moving and storage expenses, it's important to note that disaster mitigation help is not available for relocation costs.

Visit the SBA’s Mitigation Assistance page to learn more. 

Disaster Recovery Center

The Disaster Recovery Center has moved to the Enoch D. Davis Center at 1111 18th Ave. S., St. Petersburg. It is open Monday through Saturday from 7 a.m. to 7 p.m. Any changes to the schedule will be updated on this webpage.

DRCs serve as centralized locations where people can access various services and information related to disaster recovery, including application assistance, information and guidance on disaster assistance programs, translation and accessibility services, application status updates, access to disaster-related resources, and access to computers and phones.

If your FEMA disaster assistance application was denied, FEMA may need additional information. The Disaster Recovery Center (DRC) provides in-person assistance to help residents update their applications.

When visiting a DRC, it’s a good idea to bring identification, proof of residence, insurance information, and any documentation related to your disaster-related losses to facilitate the application process and ensure you receive the appropriate assistance.


  • Residents can also register for FEMA assistance online at DisasterAssistance.gov, via the FEMA app or by calling 1-800-621-FEMA (3362).
  • For additional recovery resources for residents, businesses and nonprofit organizations, visit disaster.pinellas.gov.

FEMA Assistance Available

Eligible Homeowners and renters who sustained damages or losses from Hurricane Milton or Hurricane Helene may now receive Transitional Sheltering Assistance when applying for FEMA Individual Assistance.

Transitional Sheltering Assistance provides a place to stay for displaced residents living in shelters, vehicles or at their job for up to 90 days. Eligible applicants will be notified after applying for individual assistance.

FEMA can also help residents with immediate serious needs and rental assistance. Residents can apply at DisasterAssistance.gov, using the FEMA app or at (800) 621-3362. Help is available in most languages. If you use a video relay service, captioned telephone service, or other communication services, please provide FEMA the specific number assigned for that service. 

What You’ll Need When You Apply

  • A current phone number where you can be contacted.
  • Your address at the time of the disaster and the address where you are now staying.
  • Your Social Security number.
  • A general list of damage and losses.
  • Banking information if you choose direct deposit.
  • If insured, the policy number or the agent and/or the company name.

If you have homeowners, renters or flood insurance, file a claim as soon as possible. FEMA cannot duplicate benefits for losses covered by insurance.

For the latest information on the ongoing recovery from Hurricanes Helene and Milton, visit disaster.pinellas.gov.


FEMA assistance is now available to Pinellas County residents who experienced damages/losses due to the hurricanes. FEMA may be able to help homeowners and renters with serious needs, displacement, temporary lodging, basic home repair costs, personal property loss or other disaster-caused needs. Eligible residents can apply online at DisasterAssistance.gov, using the FEMA app or by phone at 1-800-621-FEMA (3362).

If you applied to FEMA after Hurricane Debby or Helene and have additional damage from Milton, you will need to apply separately and provide the dates of your most recent damage.

Phone lines are open every day, and help is available in most languages. If you use a relay service, such as Video Relay Service (VRS), captioned telephone or other service, give FEMA your number for that service. View an accessible video on how to apply here.

Housing for Displaced Residents

Pinellas County has posted a list of resources to help displaced people find short- and long-term housing options, including online search tools, real estate company information, short-term rental companies, and apartment listings. Realtors and property managers are responsible for updating their available listings on their websites, but the listings and resources allow residents to more easily locate potential housing options.

See Pinellas.gov/HurricaneHousing

Cleanup Assistance

Crisis Cleanup has activated the Hurricane Cleanup Hotline: (844) 965-1386. This is for people who need help cleaning up damage from the hurricanes and connects people with volunteers from local relief organizations, community groups and faith communities who may be able assist with jobs such as cleaning up, trees, tarp, and debris. All services are free, but service is not guaranteed.

Please note: This hotline cannot assist with social services, such as food, clothing, shelter, insurance, or questions about FEMA registration. Volunteers work free of charge and provide the tools and equipment necessary to complete the work.


Parks, Marinas & Facility Information

Clearwater Parks & Facilities

  • Clearwater Harbor Marina is open; the gate to the fishing pier is closed.
  • Seminole Boat Ramp is open and the restrooms are open, but the elevator is closed.
  • Clearwater Beach Marina is open; the fuel dock is closed.
  • Clearwater Beach Marina Harbormaster's Office has relocated to 410 N. Myrtle Ave.
  • Pier 60 remains closed due to storm damage.
  • The Clearwater Airpark is open.

These are parks and facilities have reopened to the public:

Parks and Trails

  • Enterprise Dog Park
  • Country Hollow Park
  • Forest Run Park
  • Lake Chautauqua Park
  • Soule Road Park
  • Northwood Park
  • Woodgate Park
  • Valencia Park
  • Montclair Park
  • Cypress Point Park
  • Long Center
  • Coachman Ridge Park
  • N.E. Coachman Park
  • Carpenter Fields 
  • Cliff Stephens Park
  • Moccasin Lake Nature Park (Trails Still Closed)
  • Bayview Park
  • Allen's Creek Park
  • Belmont Park
  • Ed Wright Park
  • Prospect Lake Park
  • Plaza Park
  • Cherry Harris Park
  • Garden Ave Park
  • Charles Park
  • Edgewater Drive Park
  • Overbrook Park
  • Lake Lucille
  • Hibiscus Lake
  • Glen Oaks Park
  • Glenwood Park
  • Harding Plaza
  • Drew Plaza
  • Bay Park Sand Key
  • Mandalay Park
  • Memorial Causeway Trail
  • Sand Key Bayside Park
  • Ann Circle Park
  • Charter Oaks Park
  • Druid Road Trail
  • Bayshore Trail
  • Dd Davis Park
  • Frank Tack
  • Hillcrest Park
  • Lake Hobart Park
  • State Street Park
  • Horseshoe Club 
  • Phillip Jones 
  • Shuffleboard
  • Sid Lickton Fields
  • Countryside Sports Complex 
  • Countryside Community Park
  • Pier 60 Park
  • McMullen Tennis Complex

Recreation Centers

  • Countryside Recreation Center
  • Long Center
  • Morningside Recreation Center
  • North Greenwood Recreation Center

Libraries

  • Countryside Library
  • Clearwater Main Library
  • North Greenwood Library
  • East Community Library


Report Marine Debris and Derelict Vessels

The state has hired a contractor to collect and dispose of marine debris and the Florida Fish and Wildlife Conservation Commission is working to remove derelict vessels from Helene and Milton. Report marine debris and derelict vessels at the link below call 850-366-6007. The call center is open 7 days a week from 8 a.m. to 5 p.m.

Report marine debris and derelict vessels