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Natural hazards · St. Pete Beach

St. Pete Beach, FL natural hazards

Most of the natural-hazard damage FEMA expects in St. Pete Beach comes from coastal flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3,119 claims here since 1978. 11 federal disasters brought FEMA money into town.

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

How exposed is St. Pete Beach?

69
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Pete Beach to be higher than in 69% of U.S. communities, mostly from coastal flooding and hurricanes.

Coastal flooding41%Hurricanes33%Inland flooding11%Tornadoes7%Everything else8%
By hazard

What St. Pete Beach faces

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

Coastal flooding

41% of expected damage
Well above average · among the top 1% of U.S. places

Hurricanes

33% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about once every 5 years in the area

Inland flooding

11% of expected damage
Well below average · higher than 2% 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 wavesWildfireEarthquakesStrong windLightning

Not a risk here

Ice stormsWinter weatherLandslidesDroughtAvalanchesTsunamisVolcanic 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 St. Pete Beach flood?

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

3,119paid claims since 1978
$347Mpaid to owners
185homes flooded more than once
19782026

Biggest named events

  • Hurricane Helene: 1,975 claims, $329M
  • Hurricane Elena: 444 claims, $3.2M
  • Hurricane Josephine: 216 claims, $3.3M

Homes that flooded again and again

Each house = 4 homes. ■ FEMA “severe repetitive loss” (66) ■ flooded 2+ times

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

15homes raised above flood level
1buildings floodproofed
1buildings retrofitted against wind
Disasters that hit St. Pete Beach

11 federal disasters brought FEMA money here

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

Brought FEMA money into St. Pete BeachDeclared for Pinellas County only
2024

Hurricane Milton

1,194 households applied for aid $2.0M aid approved $1.5M to the City of St. Pete Beach for repairs
2024

Hurricane Helene

2,058 households applied for aid $15.2M aid approved $6.3M to the City of St. Pete Beach for repairs
2024

Hurricane Debby

22 households applied for aid $20K aid approved
2023

Hurricane Idalia

89 households applied for aid $220K aid approved $284K to the City of St. Pete Beach for repairs
2022

Hurricane Ian

80 households applied for aid $17K aid approved $183K to the City of St. Pete Beach for repairs
2017

Hurricane Irma

906 households applied for aid $260K aid approved $409K to the City of St. Pete Beach for repairs
2016

Hurricane Hermine

1 household applied for aid $323K to the City of St. Pete Beach for repairs
2012

Tropical Storm Debby

43 households applied for aid $54K aid approved $196K to the City of St. Pete Beach for repairs
2004

Hurricane Jeanne

31 households applied for aid $36K aid approved $44K to the City of St. Pete Beach for repairs
2004

Hurricane Frances

18 households applied for aid $588 aid approved $99K to the City of St. Pete Beach for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

$57K to the City of St. Pete Beach for repairs
Pinellas County has had 39 natural disasters declared since 1953, most often hurricanes and severe storms.
Around St. Pete Beach

St. Pete Beach and the towns around it

Treasure Island: High, mostly coastal floodingSt. Petersburg: Moderate, mostly hurricanesSouth Pasadena: Moderate, mostly hurricanesTierra Verde: Moderate, mostly hurricanesMadeira Beach: High, mostly coastal floodingFeather Sound: Moderate, mostly hurricanesLealman: High, mostly inland floodingWest Lealman: Very high, mostly inland floodingGulfport: Moderate, mostly hurricanesBear Creek: Moderate, mostly hurricanesKenneth City: Very high, mostly inland floodingPinellas Park: High, mostly hurricanesBay Pines: High, mostly inland floodingSt. Pete Beach: High, mostly coastal flooding St. Pete BeachTreasure IslandSt. PetersburgSouth PasadenaTierra Verde
Very lowLowModerateHighVery high
St. Pete Beachmostly coastal floodingHigh
Treasure Islandmostly coastal floodingHigh
St. Petersburgmostly hurricanesModerate
South Pasadenamostly hurricanesModerate
Tierra Verdemostly 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. St. Pete Beach covers 4 census tracts, combined by population.
Money that reached townFlood claims are matched to St. Pete Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of St. Pete 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 St. Pete Beach total about $5.0M 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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