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Natural hazards · Indian Rocks Beach

Indian Rocks Beach, FL natural hazards

Most of the natural-hazard damage FEMA expects in Indian Rocks Beach comes from coastal flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1,831 claims here since 1978. 12 federal disasters brought FEMA money into town.

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

How exposed is Indian Rocks Beach?

77
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Indian Rocks Beach to be higher than in 77% of U.S. communities, mostly from coastal flooding and hurricanes.

Coastal flooding52%Hurricanes26%Inland flooding10%Tornadoes6%Everything else7%
By hazard

What Indian Rocks Beach faces

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

Coastal flooding

52% of expected damage
Well above average · among the top 1% of U.S. places

Hurricanes

26% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about once every 5 years in the area

Inland flooding

10% of expected damage
Well below average · higher than 2% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

6% 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 Indian Rocks Beach flood?

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

1,831paid claims since 1978
$124Mpaid to owners
82homes flooded more than once
19782026

Biggest named events

  • Hurricane Helene: 1,092 claims, $115M
  • Blizzard of 1993: 325 claims, $3.5M
  • Hurricane Elena: 176 claims, $1.8M

Homes that flooded again and again

Each house = 2 homes. ■ FEMA “severe repetitive loss” (10) ■ flooded 2+ times

of all homes
are insured
🏷️ 20% off flood insurance. Indian Rocks 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

8homes raised above flood level
1buildings retrofitted against wind
Disasters that hit Indian Rocks Beach

12 federal disasters brought FEMA money here

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

Brought FEMA money into Indian Rocks BeachDeclared for Pinellas County only
2024

Hurricane Milton

682 households applied for aid $922K aid approved $1.2M to the City of Indian Rocks Beach for repairs
2024

Hurricane Helene

1,339 households applied for aid $9.2M aid approved $271K to the City of Indian Rocks Beach for repairs
2024

Hurricane Debby

21 households applied for aid $16K aid approved
2023

Hurricane Idalia

70 households applied for aid $105K aid approved $94K to the City of Indian Rocks Beach for repairs
2022

Hurricane Ian

76 households applied for aid $13K aid approved $24K to the City of Indian Rocks Beach for repairs
2017

Hurricane Irma

731 households applied for aid $206K aid approved $237K to the City of Indian Rocks Beach for repairs
2016

Hurricane Hermine

10 households applied for aid $3K aid approved $31K to the City of Indian Rocks Beach for repairs
2012

Tropical Storm Debby

19 households applied for aid $20K aid approved $8K to the City of Indian Rocks Beach for repairs
2008

Tropical Storm Fay

$3K to the City of Indian Rocks Beach for repairs
2004

Hurricane Jeanne

53 households applied for aid $49K aid approved $25K to the City of Indian Rocks Beach for repairs
2004

Hurricane Frances

34 households applied for aid $27K aid approved $27K to the City of Indian Rocks Beach for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

$10K to the City of Indian Rocks Beach for repairs
Pinellas County has had 39 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Indian Rocks Beach

Indian Rocks Beach and the towns around it

Largo: Moderate, mostly hurricanesHarbor Bluffs: High, mostly hurricanesIndian Shores: High, mostly coastal floodingSouth Highpoint: Low, mostly hurricanesRidgecrest: Moderate, mostly hurricanesBelleair Bluffs: Moderate, mostly hurricanesClearwater: Moderate, mostly hurricanesPinellas Park: High, mostly hurricanesBelleair: Moderate, mostly hurricanesRedington Shores: High, mostly coastal floodingIndian Rocks Beach: High, mostly coastal flooding Indian Rocks BeachLargoHarbor BluffsIndian Shores
Very lowLowModerateHighVery high
Indian Rocks Beachmostly coastal floodingHigh
Indian Shoresmostly coastal floodingHigh
Harbor Bluffsmostly hurricanesHigh
Largomostly 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. Indian Rocks Beach covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Indian Rocks Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Indian Rocks 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 Indian Rocks Beach total about $2.4M 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.

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