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Natural hazards · Treasure Island

Treasure Island, FL natural hazards

Most of the natural-hazard damage FEMA expects in Treasure Island comes from coastal flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2,857 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 Treasure Island?

69
High
vs. U.S. communities

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

Coastal flooding42%Hurricanes31%Inland flooding11%Tornadoes8%Cold waves5%Everything else4%
By hazard

What Treasure Island faces

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

Coastal flooding

42% of expected damage
Well above average · among the top 1% of U.S. places

Hurricanes

31% 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

8% of expected damage
Above average · higher than 55% of U.S. places

Cold waves

5% of expected damage
Above average · higher than 66% of U.S. places
Recorded about 3 times a year in the area

Lower here

HailHeat 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 Treasure Island flood?

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

2,857paid claims since 1978
$293Mpaid to owners
234homes flooded more than once
19782026

Biggest named events

  • Hurricane Helene: 1,604 claims, $273M
  • Hurricane Elena: 416 claims, $3.1M
  • Hurricane Josephine: 210 claims, $2.7M

Homes that flooded again and again

Each house = 4 homes. ■ FEMA “severe repetitive loss” (80) ■ flooded 2+ times

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

13homes raised above flood level
2buildings retrofitted against wind
Disasters that hit Treasure Island

11 federal disasters brought FEMA money here

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

Brought FEMA money into Treasure IslandDeclared for Pinellas County only
2024

Hurricane Milton

1,274 households applied for aid $1.8M aid approved $60K to the City of Treasure Island for repairs
2024

Hurricane Helene

2,412 households applied for aid $19.3M aid approved $363K to the City of Treasure Island for repairs
2024

Hurricane Debby

19 households applied for aid $55K aid approved
2023

Hurricane Idalia

124 households applied for aid $213K aid approved $90K to the City of Treasure Island for repairs
2022

Hurricane Ian

56 households applied for aid $17K aid approved $32K to the City of Treasure Island for repairs
2017

Hurricane Irma

994 households applied for aid $280K aid approved $165K to the City of Treasure Island for repairs
2016

Hurricane Hermine

$39K to the City of Treasure Island for repairs
2012

Tropical Storm Debby

32 households applied for aid $19K aid approved $22K to the City of Treasure Island for repairs
2004

Hurricane Jeanne

25 households applied for aid $23K aid approved $9K to the City of Treasure Island for repairs
2004

Hurricane Frances

14 households applied for aid $6K aid approved $13K to the City of Treasure Island for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

$17K to the City of Treasure Island for repairs
Pinellas County has had 39 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Treasure Island

Treasure Island and the towns around it

St. Pete Beach: High, mostly coastal floodingSt. Petersburg: Moderate, mostly hurricanesMadeira Beach: High, mostly coastal floodingSouth Pasadena: Moderate, mostly hurricanesTierra Verde: Moderate, mostly hurricanesFeather 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 floodingRedington Beach: Very high, mostly coastal floodingTreasure Island: High, mostly coastal flooding Treasure IslandSt. Pete BeachSt. PetersburgMadeira Beach
Very lowLowModerateHighVery high
Madeira Beachmostly coastal floodingHigh
Treasure Islandmostly coastal floodingHigh
St. Pete Beachmostly coastal floodingHigh
St. Petersburgmostly 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. Treasure Island covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Treasure Island’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Treasure Island. 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 Treasure Island total about $3.3M 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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