Natural hazards · Beacon Square

Beacon Square, FL natural hazards

Most of the natural-hazard damage FEMA expects in Beacon Square comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 416 claims here since 1979. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Beacon Square?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Beacon Square to be higher than in 60% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes39%Inland flooding29%Tornadoes20%Coastal flooding6%Everything else7%

By hazard

What Beacon Square faces

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

Hurricanes

39% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

29% of expected damage

Below average · higher than 31% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

20% of expected damage

Above average · higher than 60% of U.S. places

Coastal flooding

6% of expected damage

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

Lower here

HailCold wavesHeat 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 Beacon Square flood?

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

416paid claims since 1979

$45.4Mpaid to owners

0homes flooded more than once

19792026

Biggest named events

Hurricane Helene: 279 claims, $44.1M
Tropical Storm Debby: 40 claims, $617K
Blizzard of 1993: 14 claims, $25K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Pasco County.

Disasters that hit Beacon Square

1 federal disaster brought FEMA money here

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

Brought FEMA money into Beacon SquareDeclared for Pasco County only

2017

Hurricane Irma

4 households applied for aid $500 aid approved

Pasco County has had 38 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Beacon Square

Beacon Square and the towns around it

Very lowLowModerateHighVery high

Holidaymostly hurricanesHigh

Beacon Squaremostly hurricanesHigh

Elfersmostly hurricanesModerate

New Port Richeymostly 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. Beacon Square covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Beacon Square’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Beacon Square. 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 Beacon Square total about $1.5M 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.