Natural hazards · Bay Pines

Bay Pines, FL natural hazards

Most of the natural-hazard damage FEMA expects in Bay Pines comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 97 claims here since 1979. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bay Pines?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bay Pines to be higher than in 68% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding38%Hurricanes32%Tornadoes10%Cold waves8%Coastal flooding7%Everything else5%

By hazard

What Bay Pines faces

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

Inland flooding

38% of expected damage

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

Recorded about 2 times a year in the area

Hurricanes

32% 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

8% of expected damage

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

Recorded about 3 times a year in the area

Coastal flooding

7% of expected damage

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

Lower here

HailHeat wavesWildfireEarthquakesStrong windLightning

Not a risk here

Ice stormsWinter weatherLandslidesDroughtAvalanchesTsunamisVolcanic 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 Bay Pines flood?

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

97paid claims since 1979

$3.0Mpaid to owners

0homes flooded more than once

19792026

Biggest named events

Hurricane Helene: 50 claims, $2.3M
Hurricane Milton: 9 claims, $543K
The 'No-Name Storm': 3 claims, $5K

of all homes
are insured

No community discount. Bay Pines 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 Bay Pines

5 federal disasters brought FEMA money here

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

Brought FEMA money into Bay PinesDeclared for Pinellas County only

2024

Hurricane Milton

7 households applied for aid $3K aid approved

2024

Hurricane Helene

5 households applied for aid

2017

Hurricane Irma

14 households applied for aid $1K aid approved

2012

Tropical Storm Debby

1 household applied for aid

2004

Hurricane Frances

1 household applied for aid $6K aid approved

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

Around Bay Pines

Bay Pines and the towns around it

Very lowLowModerateHighVery high

West Lealmanmostly inland floodingVery high

Madeira Beachmostly coastal floodingHigh

Seminolemostly inland floodingHigh

Bay Pinesmostly inland floodingHigh

St. Petersburgmostly 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. Bay Pines covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Bay Pines’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Bay Pines. 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 Bay Pines total about $2.5M 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.