Natural hazards · Bear Creek

Bear Creek, FL natural hazards

Most of the natural-hazard damage FEMA expects in Bear Creek comes from hurricanes, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Bear Creek?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bear Creek to be higher than in 52% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes37%Inland flooding23%Coastal flooding14%Tornadoes11%Cold waves9%Everything else6%

By hazard

What Bear Creek faces

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

Hurricanes

37% of expected damage

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

Recorded about once every 5 years in the area

Inland flooding

23% of expected damage

Well below average · higher than 11% of U.S. places

Recorded about 2 times a year in the area

Coastal flooding

14% of expected damage

Well above average · among the top 1% of U.S. places

Tornadoes

11% 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

HailHeat 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 Bear Creek flood?

FEMA's records show no paid flood insurance claims in Bear Creek.

of all homes
are insured

No community discount. Bear Creek 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 Bear Creek

Federal disasters declared here

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

Brought FEMA money into Bear CreekDeclared for Pinellas County only

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

Around Bear Creek

Bear Creek and the towns around it

Very lowLowModerateHighVery high

St. Petersburgmostly hurricanesModerate

South Pasadenamostly hurricanesModerate

Bear Creekmostly hurricanesModerate

Gulfportmostly 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. Bear Creek is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Bear Creek’s own flood-insurance community; household aid to the registrant’s city; repair grants to Bear Creek. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.