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    <loc>https://stpetehomeguide.com/blog/fema-50-percent-rule-pinellas-county-rebuilding</loc>
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        <news:name>St. Pete Home Guide</news:name>
        <news:language>en</news:language>
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      <news:publication_date>2026-09-17T00:00:00.000Z</news:publication_date>
      <news:title>FEMA 50% Rule in Pinellas County: When Repairs Trigger a Full Rebuild</news:title>
      <news:keywords>FEMA 50 percent rule Pinellas County, substantial damage Pinellas County, substantial improvement flood zone, flood zone rebuild St. Petersburg, Pinellas County flood zone repair, FEMA substantial damage letter, flood zone home renovation Pinellas, December 2026 substantial damage deadline, Tampa Bay, St. Petersburg</news:keywords>
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