Natural hazards · Bee Ridge

Bee Ridge, FL natural hazards

Most of the natural-hazard damage FEMA expects in Bee Ridge comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 4 claims here since 2022.

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

Expected damage

How exposed is Bee Ridge?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bee Ridge to be higher than in 85% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes72%Inland flooding22%Everything else7%

By hazard

What Bee Ridge faces

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

Hurricanes

72% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

22% of expected damage

Below average · higher than 38% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingTornadoesHailCold 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 Bee Ridge flood?

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

4paid claims since 2022

$314Kpaid to owners

0homes flooded more than once

20222026

Biggest named events

Hurricane Debby: 3 claims, $279K
Hurricane Ian: 1 claim, $35K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Sarasota County.

Disasters that hit Bee Ridge

Federal disasters declared here

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

Brought FEMA money into Bee RidgeDeclared for Sarasota County only

Sarasota County has had 41 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Bee Ridge

Bee Ridge and the towns around it

Very lowLowModerateHighVery high

Sarasota Springsmostly hurricanesVery high

Bee Ridgemostly hurricanesVery high

South Gate Ridgemostly hurricanesVery high

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. Bee Ridge covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Bee Ridge’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Bee Ridge. 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 Bee Ridge total about $6.1M 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.