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Natural hazards · Apollo Beach

Apollo Beach, FL natural hazards

Most of the natural-hazard damage FEMA expects in Apollo Beach comes from hurricanes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1,014 claims here since 1982. 10 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations
Expected damage

How exposed is Apollo Beach?

59
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Apollo Beach to be higher than in 59% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes34%Inland flooding24%Tornadoes16%Cold waves11%Coastal flooding9%Everything else6%
By hazard

What Apollo Beach faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Hurricanes

34% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about once every 4 years in the area

Inland flooding

24% of expected damage
Well below average · higher than 22% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

16% of expected damage
Above average · higher than 68% of U.S. places

Cold waves

11% of expected damage
Well above average · higher than 85% of U.S. places
Recorded about 4 times a year in the area

Coastal flooding

9% of expected damage
Well above average · higher than 98% of U.S. places

Lower here

HailHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Ice stormsWinter weatherAvalanchesTsunamisVolcanic activity
Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Apollo Beach flood?

Every paid claim on a federal flood insurance policy in Apollo Beach, from FEMA’s records.

1,014paid claims since 1982
$94.8Mpaid to owners
0homes flooded more than once
19822026

Biggest named events

  • Hurricane Helene: 871 claims, $92.0M
  • Hurricane Milton: 25 claims, $641K
  • Blizzard of 1993: 21 claims, $409K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Apollo Beach isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hillsborough County.

What’s been done with FEMA grants

4homes raised above flood level
Disasters that hit Apollo Beach

10 federal disasters brought FEMA money here

Disasters the President declared that paid out in Apollo Beach itself: aid to households, or repair grants to Apollo Beach.

Brought FEMA money into Apollo BeachDeclared for Hillsborough County only
2024

Hurricane Milton

4,252 households applied for aid $3.8M aid approved
2024

Hurricane Helene

1,998 households applied for aid $6.8M aid approved
2024

Hurricane Debby

104 households applied for aid $51K aid approved
2023

Hurricane Idalia

38 households applied for aid $4K aid approved
2022

Hurricane Ian

952 households applied for aid $348K aid approved
2017

Hurricane Irma

711 households applied for aid $164K aid approved
2016

Hurricane Hermine

1 household applied for aid
2012

Tropical Storm Debby

3 households applied for aid
2004

Hurricane Jeanne

91 households applied for aid $43K aid approved
2004

Hurricane Frances

28 households applied for aid $17K aid approved
Hillsborough County has had 41 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Apollo Beach

Apollo Beach and the towns around it

Ruskin: Moderate, mostly hurricanesGibsonton: High, mostly inland floodingRiverview: High, mostly inland floodingSun City Center: High, mostly inland floodingProgress Village: High, mostly inland floodingBloomingdale: High, mostly inland floodingFish Hawk: High, mostly inland floodingBalm: High, mostly hurricanesBrandon: High, mostly hurricanesPalm River-Clair Mel: Moderate, mostly hurricanesWimauma: High, mostly hurricanesApollo Beach: Moderate, mostly hurricanes Apollo BeachRuskinGibsontonRiverviewSun City Center
Very lowLowModerateHighVery high
Sun City Centermostly inland floodingHigh
Gibsontonmostly inland floodingHigh
Riverviewmostly inland floodingHigh
Apollo Beachmostly hurricanesModerate
Ruskinmostly hurricanesModerate
About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Apollo Beach covers 6 census tracts, combined by population.
Money that reached townFlood claims are matched to Apollo Beach’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Apollo Beach. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Apollo Beach total about $11.9M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/19 · 2025-01-01
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