Natural hazards · Bardmoor

Bardmoor, FL natural hazards

Most of the natural-hazard damage FEMA expects in Bardmoor comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 50 claims here since 1979.

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

Expected damage

How exposed is Bardmoor?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bardmoor to be higher than in 74% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding47%Hurricanes28%Tornadoes10%Cold waves9%Everything else7%

By hazard

What Bardmoor faces

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

Inland flooding

47% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

28% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 5 years in the area

Tornadoes

10% of expected damage

Above average · higher than 55% of U.S. places

Cold waves

9% of expected damage

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

Recorded about 3 times a year in the area

Lower here

Coastal floodingHailHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Ice stormsWinter weatherDroughtAvalanchesTsunamisVolcanic 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 Bardmoor flood?

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

50paid claims since 1979

$1.4Mpaid to owners

0homes flooded more than once

19792026

Biggest named events

Hurricane Milton: 9 claims, $419K
Hurricane Helene: 6 claims, $794K
Hurricane Irma: 2 claims, $21K

of all homes
are insured

No community discount. Bardmoor isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Pinellas County.

Disasters that hit Bardmoor

Federal disasters declared here

None of the disasters declared for Pinellas County shows FEMA aid or repair money reaching Bardmoor itself in FEMA’s records.

Brought FEMA money into BardmoorDeclared for Pinellas County only

Pinellas County has had 39 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Bardmoor

Bardmoor and the towns around it

Very lowLowModerateHighVery high

Seminolemostly inland floodingHigh

Bardmoormostly inland floodingHigh

Pinellas Parkmostly hurricanesHigh

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. Bardmoor covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Bardmoor’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Bardmoor. 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 Bardmoor total about $3.2M 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.