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Natural hazards · Madeira Beach

Madeira Beach, FL natural hazards

Most of the natural-hazard damage FEMA expects in Madeira Beach comes from coastal flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3,094 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 Madeira Beach?

79
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Madeira Beach to be higher than in 79% of U.S. communities, mostly from coastal flooding and hurricanes.

Coastal flooding54%Hurricanes25%Inland flooding8%Tornadoes6%Everything else8%
By hazard

What Madeira Beach faces

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

Coastal flooding

54% of expected damage
Well above average · among the top 1% of U.S. places

Hurricanes

25% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about once every 5 years in the area

Inland flooding

8% of expected damage
Well below average · higher than 1% 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 Madeira Beach flood?

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

3,094paid claims since 1979
$202Mpaid to owners
342homes flooded more than once
19792026

Biggest named events

  • Hurricane Helene: 1,080 claims, $164M
  • Hurricane Elena: 637 claims, $5.3M
  • Hurricane Josephine: 360 claims, $5.1M

Homes that flooded again and again

Each house = 6 homes. ■ FEMA “severe repetitive loss” (166) ■ flooded 2+ times

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

41homes raised above flood level
1flood-prone properties bought out and cleared
Disasters that hit Madeira Beach

11 federal disasters brought FEMA money here

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

Brought FEMA money into Madeira BeachDeclared for Pinellas County only
2024

Hurricane Milton

665 households applied for aid $1.2M aid approved $78K to the City of Madeira Beach for repairs
2024

Hurricane Helene

1,506 households applied for aid $14.2M aid approved $5.7M to the City of Madeira Beach for repairs
2024

Hurricane Debby

24 households applied for aid $12K aid approved
2023

Hurricane Idalia

215 households applied for aid $620K aid approved $71K to the City of Madeira Beach for repairs
2022

Hurricane Ian

69 households applied for aid $19K aid approved $165K to the City of Madeira Beach for repairs
2017

Hurricane Irma

775 households applied for aid $212K aid approved $212K to the City of Madeira Beach for repairs
2016

Hurricane Hermine

2 households applied for aid $744 aid approved $4K to the City of Madeira Beach for repairs
2012

Tropical Storm Debby

31 households applied for aid $23K aid approved $5K to the City of Madeira Beach for repairs
2004

Hurricane Jeanne

12 households applied for aid $2K aid approved $2K to the City of Madeira Beach for repairs
2004

Hurricane Frances

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

Tropical Storm Bonnie and Hurricane Charley

$8K to the City of Madeira Beach for repairs
Pinellas County has had 39 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Madeira Beach

Madeira Beach and the towns around it

Redington Beach: Very high, mostly coastal floodingBay Pines: High, mostly inland floodingTreasure Island: High, mostly coastal floodingNorth Redington Beach: Very high, mostly coastal floodingSeminole: High, mostly inland floodingSt. Petersburg: Moderate, mostly hurricanesWest Lealman: Very high, mostly inland floodingSt. Pete Beach: High, mostly coastal floodingMadeira Beach: High, mostly coastal flooding Madeira BeachRedington BeachBay PinesTreasure Island
Very lowLowModerateHighVery high
Redington Beachmostly coastal floodingVery high
Madeira Beachmostly coastal floodingHigh
Treasure Islandmostly coastal floodingHigh
Bay Pinesmostly inland floodingHigh
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. Madeira Beach covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Madeira Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Madeira 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 Madeira 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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