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Natural hazards · Largo

Largo, FL natural hazards

Most of the natural-hazard damage FEMA expects in Largo comes from hurricanes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 645 claims here since 1979. 11 federal disasters brought FEMA money into town.

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

How exposed is Largo?

56
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Largo to be higher than in 56% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes36%Inland flooding35%Tornadoes12%Cold waves10%Everything else8%
By hazard

What Largo faces

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

Hurricanes

36% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about once every 5 years in the area

Inland flooding

35% of expected damage
Below average · higher than 39% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

12% of expected damage
Above average · higher than 55% of U.S. places

Cold waves

10% of expected damage
Above average · higher than 68% of U.S. places
Recorded about 3 times a year in the area

Lower here

Coastal floodingHailHeat 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 Largo flood?

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

645paid claims since 1979
$78.7Mpaid to owners
27homes flooded more than once
19792026

Biggest named events

  • Hurricane Helene: 283 claims, $44.4M
  • Hurricane Milton: 169 claims, $31.7M
  • Hurricane Hermine: 16 claims, $314K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (4) ■ flooded 2+ times

of all homes
are insured
🏷️ 25% off flood insurance. Largo is in FEMA’s Community Rating System (class 5) for its flood-proofing work.
Insurance rates: Pinellas County.

What’s been done with FEMA grants

9buildings retrofitted against wind
3homes raised above flood level
Disasters that hit Largo

11 federal disasters brought FEMA money here

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

Brought FEMA money into LargoDeclared for Pinellas County only
2024

Hurricane Milton

22,370 households applied for aid $26.8M aid approved $4.9M to the City of Largo for repairs
2024

Hurricane Helene

8,244 households applied for aid $7.4M aid approved $1.3M to the City of Largo for repairs
2024

Hurricane Debby

827 households applied for aid $663K aid approved $160K to the City of Largo for repairs
2023

Hurricane Idalia

1,207 households applied for aid $515K aid approved $255K to the City of Largo for repairs
2022

Hurricane Ian

3,961 households applied for aid $1.4M aid approved $619K to the City of Largo for repairs
2017

Hurricane Irma

19,312 households applied for aid $6.3M aid approved $2.5M to the City of Largo for repairs
2016

Hurricane Hermine

68 households applied for aid $54K aid approved $169K to the City of Largo for repairs
2012

Tropical Storm Debby

147 households applied for aid $85K aid approved $13K to the City of Largo for repairs
2004

Hurricane Jeanne

487 households applied for aid $423K aid approved $728K to the City of Largo for repairs
2004

Hurricane Frances

270 households applied for aid $208K aid approved $587K to the City of Largo for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

1 household applied for aid $937 aid approved $137K to the City of Largo for repairs
Pinellas County has had 39 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Largo

Largo and the towns around it

South Highpoint: Low, mostly hurricanesRidgecrest: Moderate, mostly hurricanesBelleair Bluffs: Moderate, mostly hurricanesHarbor Bluffs: High, mostly hurricanesClearwater: Moderate, mostly hurricanesPinellas Park: High, mostly hurricanesBelleair: Moderate, mostly hurricanesIndian Rocks Beach: High, mostly coastal floodingDunedin: Moderate, mostly hurricanesSafety Harbor: Moderate, mostly hurricanesGreenbriar: Moderate, mostly hurricanesBelleair Beach: High, mostly coastal floodingPalm Harbor: High, mostly hurricanesWest Lealman: Very high, mostly inland floodingLealman: High, mostly inland floodingBardmoor: High, mostly inland floodingSt. Petersburg: Moderate, mostly hurricanesKenneth City: Very high, mostly inland floodingIndian Shores: High, mostly coastal floodingLargo: Moderate, mostly hurricanes LargoSouth HighpointRidgecrestBelleair BluffsHarbor BluffsClearwaterPinellas ParkBelleairIndian Rocks Beach
Very lowLowModerateHighVery high
Indian Rocks Beachmostly coastal floodingHigh
Harbor Bluffsmostly hurricanesHigh
Pinellas Parkmostly hurricanesHigh
Largomostly hurricanesModerate
Clearwatermostly hurricanesModerate
Belleairmostly hurricanesModerate
Ridgecrestmostly hurricanesModerate
Belleair Bluffsmostly hurricanesModerate
South Highpointmostly hurricanesLow
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. Largo covers 25 census tracts, combined by population.
Money that reached townFlood claims are matched to Largo’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Largo. 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 Largo total about $21.8M 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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