Susanne Van Selow
President & Contractor
Van Selow Design Build, LLC
If you own a home in St. Petersburg—especially in a flood zone—you may have heard of the FEMA 49% Rule. This regulation applies when the cost of repairs or improvements equals 49% or more of the structure’s market value, excluding land.
When a project reaches that threshold, the City of St. Petersburg classifies it as a substantial improvement, requiring the entire home to be brought into compliance with current floodplain and building codes. This can include elevating the structure above base flood elevation, adding flood vents, and using flood-resistant materials—changes that can significantly impact budget and design.
The rule applies not only after storm damage, but also to remodels, additions, and renovations completed over time. All permitted construction costs are counted, which is why careful planning is essential.
The best way to work successfully with the city is to start early. Meet with your contractor, understand your home’s structure value and review flood zone requirements before finalizing plans.
Partnering with a design-build firm experienced in St. Petersburg’s permitting process can help homeowners stay compliant, manage costs and move projects forward with confidence.
(727) 391-2959
Info@vanselowdesign.com,
or visit vanselowdesign.com
