TownTapestry
Sign inJoin
Belleair BeachGood night
Natural hazards · Belleair Beach

Belleair Beach, FL natural hazards

Most of the natural-hazard damage FEMA expects in Belleair Beach comes from coastal flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 939 claims here since 1979. 10 federal disasters brought FEMA money into town.

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

How exposed is Belleair Beach?

68
High
vs. U.S. communities

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

Coastal flooding37%Hurricanes32%Inland flooding15%Tornadoes7%Everything else9%
By hazard

What Belleair Beach faces

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

Coastal flooding

37% of expected damage
Well above average · among the top 1% of U.S. places

Hurricanes

32% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about once every 5 years in the area

Inland flooding

15% of expected damage
Well below average · higher than 4% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

7% of expected damage
Above average · higher than 55% 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 Belleair Beach flood?

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

939paid claims since 1979
$72.9Mpaid to owners
84homes flooded more than once
19792026

Biggest named events

  • Hurricane Helene: 387 claims, $59.8M
  • Blizzard of 1993: 205 claims, $4.2M
  • Hurricane Elena: 111 claims, $3.0M

Homes that flooded again and again

Each house = 2 homes. ■ FEMA “severe repetitive loss” (34) ■ flooded 2+ times

of all homes
are insured
🏷️ 20% off flood insurance. Belleair Beach is in FEMA’s Community Rating System (class 6) for its flood-proofing work.
Insurance rates: Pinellas County.

What’s been done with FEMA grants

1homes raised above flood level
Disasters that hit Belleair Beach

10 federal disasters brought FEMA money here

Disasters the President declared that paid out in Belleair Beach itself: aid to households, or repair grants to the City of Belleair Beach.

Brought FEMA money into Belleair BeachDeclared for Pinellas County only
2024

Hurricane Milton

191 households applied for aid $363K aid approved $586K to the City of Belleair Beach for repairs
2024

Hurricane Helene

418 households applied for aid $3.4M aid approved $536K to the City of Belleair Beach for repairs
2024

Hurricane Debby

4 households applied for aid $600 aid approved
2023

Hurricane Idalia

8 households applied for aid $36K aid approved
2022

Hurricane Ian

17 households applied for aid $3K aid approved $5K to the City of Belleair Beach for repairs
2017

Hurricane Irma

154 households applied for aid $38K aid approved $112K to the City of Belleair Beach for repairs
2012

Tropical Storm Debby

2 households applied for aid
2004

Hurricane Jeanne

15 households applied for aid $2K aid approved $7K to the City of Belleair Beach for repairs
2004

Hurricane Frances

10 households applied for aid $3K aid approved $18K to the City of Belleair Beach for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

$5K to the City of Belleair Beach for repairs
Pinellas County has had 39 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Belleair Beach

Belleair Beach and the towns around it

Belleair Shore: High, mostly coastal floodingClearwater: Moderate, mostly hurricanesDunedin: Moderate, mostly hurricanesSafety Harbor: Moderate, mostly hurricanesLargo: Moderate, mostly hurricanesBelleair: Moderate, mostly hurricanesGreenbriar: Moderate, mostly hurricanesPalm Harbor: High, mostly hurricanesBelleair Beach: High, mostly coastal flooding Belleair BeachBelleair ShoreClearwater
Very lowLowModerateHighVery high
Belleair Beachmostly coastal floodingHigh
Belleair Shoremostly coastal floodingHigh
Clearwatermostly 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. Belleair Beach covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Belleair Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Belleair Beach. 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 Belleair Beach total about $911K 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.

We left the porch light on

Where to, neighbor?

You’re in Belleair Beach, FLView boundary

Nearby

All towns & citiesExplore the map

Local begins with a boundary.

See what belongs to your selected town.

Loading boundary…

Belleair Beach is your selected town. The feed includes posts assigned to this town, not a distance radius or ZIP code.

Neighborhoods narrow the feed further, while townwide announcements, events, and issues remain visible.

Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
Open detailed map