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Risk: Relatively High

Pinellas County, FL Environment & Hazard Risk

Relatively High natural hazard risk, led by lightning. 759 storm events since 1996.

Expected yearly loss
$303M
Relatively High nationally
Storm events since 1996
759
Most often thunderstorm wind
Flood insurance policies
76,020
19.4% of homes
Hurricanes nearby
3
12 tropical storms or stronger since 1852

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively High

Score 98.2 of 100

Social vulnerability

Relatively Moderate

Score 59.9 of 100

Community resilience

Very Low

Score 10.9 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $163B · Agriculture value exposed: $2.5M · Risk-adjusted yearly loss: $381M

Risk by hazard

  • LightningVery High$8.9M/yr expected annual loss, about 94 events a year
  • Coastal floodingVery High$24.6M/yr expected annual loss, about 3.7 events a year
  • TornadoVery High$33.5M/yr expected annual loss, about once every 1 year
  • HurricaneVery High$110M/yr expected annual loss, about once every 4 years
  • Cold waveVery High$26.1M/yr expected annual loss, about 3.1 events a year
  • Heat waveRelatively Moderate$5.6M/yr expected annual loss, about 3.0 events a year
  • HailRelatively High$2.2M/yr expected annual loss, about 1.2 events a year
  • WildfireRelatively Low$377K/yr expected annual loss, about once every 1,275 years
  • EarthquakeRelatively Low$560K/yr expected annual loss, about once every 3,268 years
  • Strong windRelatively Moderate$706K/yr expected annual loss, about once every 2 years
  • DroughtVery Low$3,851/yr expected annual loss, about 17 events a year
  • LandslideVery Low$73/yr expected annual loss, about once every 37 years

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, ice storm, riverine flooding, tsunami, volcanic activity, winter weather.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
76,020 of 391,677 (19.4%)
Homes in high-risk flood zones
4,807
Insured in high-risk zones
56,785 (0%)
Flood claims since 1978
51,779
Claims paid since 1978
$3.8B

Flood claims paid per year

Flood claims paid per year in Pinellas County
Beta
  • Hurricane Helene$3.2B · 23,452 claims
  • Hurricane Milton$145M · 2,578 claims
  • Hurricane Idalia$136M · 1,987 claims
  • Hurricane Eta$51.1M · 1,065 claims
  • Hurricane Elena$50.5M · 5,881 claims
  • Hurricane Josephine$49.5M · 3,458 claims

Storm history

Since 1996: 759 events, 31 deaths, $880M in damage

  • Thunderstorm Wind184 · 1 death
  • Lightning175 · 9 deaths
  • Hail73
  • Dense Fog50 · 1 death
  • Tornado48
  • Waterspout39
  • Flood38
  • Tropical Storm34 · 1 death
  • Heavy Rain30 · 3 deaths
  • Storm Surge/Tide19
Beta

Events per year

Storm events per year in Pinellas County
15
25
15
12
30
17
34
22
19
23
15
24
16
26
20
17
8
17
11
Beta

147 tornadoes on record (EF0 20, EF1 7, EF2 2, F0 66, F1 32, F2 12, F3 2, F4 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Hurricane (Typhoon)09/10/2017

    Pinellas

    2 deaths, $594M damage

    What happened

    In Pinellas County, the highest winds reported from Hurricane Irma was a gust to 77 knots at Pier 60 Park. Rainfall was generally around 4 inches or greater, with the highest rain total 5.98 inches at the the GOES station BTRF1 in Tarpon Springs. The wind resulted in damage to numerous homes, as well as knocking over trees and power lines. Pinellas County Emergency Management reported that 77 homes or businesses were destroyed, 533 sustained major damage, 5761 had minor damage, and an additional 11,935 were affected by hurricane Irma throughout Pinellas County. ||The track of Irma resulted in a much stronger negative surge north of the eye, causing extremely low water levels in the Tampa Bay. No significant damage was reported from either the negative surge or the weak positive surge.||The total damage from Irma in Pinellas County was estimated at $594.45 million, including $588.08 million in individual assistance claims and $6.37 million in public assistance claims, most of which was caused by wind damage.||One indirect fatality was reported in Pinellas County from Hurricane Irma. A 53 year old man was repairing cable lines in Feather Sound on the 16th when he fell 20 feet...

  • Tropical Storm09/28/2022

    Pinellas

    $50M damage

    What happened

    The highest wind reported in Pinellas County from Hurricane Ian was a gust to 77 mph in Saint Petersburg at 3:46 PM EST on September 28. Rainfall generally ranged between 1.5 and 4 inches, with a maximum total of 3.34 inches at Albert Whitted Airport. 31 homes received major damage and another 86 reported minor damage. Offshore winds caused below normal tides of 4 feet on the gulf side of barrier islands, and up to 5 feet below normal in Tampa Bay near St. Petersburg, where the minimum reported water level of -3.94 feet below MLLW at 2:12 AM EST surpassed the previous minimum of -3.72 feet below MLLW, set during Hurricane Irma in 2017.

  • Hurricane (Typhoon)10/09/2024

    Pinellas

    $43M damage

    What happened

    Surface observations indicate peak wind gusts generally between 80 to 100 mph, with a maximum gust of 101 mph at Albert Whitted Airport at 9:29 PM EST on October 9. Rainfall generally ranged from 10 to 15 inches with a few pockets of 15 to 20 inches over southern and southeastern parts of the county, with a maximum total of 20.4 inches observed near St. Petersburg. Albert Whitted Airport (KSPG) shattered its previous 1-day total rainfall amount with 18.54 inches recorded on October 9, nearly tripling the previous record of 6.93 inches set on September 14, 2001 in association with Tropical Storm Gabrielle. Site records date back to 1998. St. Petersburg-Clearwater International Airport (KPIE) recorded its second-highest 1-day total rainfall amount with 9.18 inches on October 9, behind the record of 9.6 inches set on July 18, 2004. Site records date back to 1998. A peak water level of 1.3 feet above MHHW was measured at Clearwater Beach at 11:24 AM EST on October 9. Peak water levels measured elsewhere along coastal Pinellas County generally ranged around a foot or less above MHHW, although blowout tide conditions were observed with below normal water levels for a period of time....

  • Dense Fog12/27/1996

    Pinellas

    1 death, 30 injured, $850K damage

    What happened

    Dense fog developed across West and Southwest Florida from mainly the Gulf Coast east to the Interstate 75 corridor during the predawn through late morning. Visibilities dropped to near zero at a few locations but consistently were reported 1/8 of mile over West and Southwest Florida observational sites through mid morning.Patchy dense fog lingered along coastal waterways and bays of West Central Florida through late morning. At 11:20 AM EST, motorists, heading northbound on the Pinellas county side of the Sushine Skyway Bridge, descended from the center span in sunshine and unlimited visibility into a patch of dense fog near sea-level. A chain reaction of vehicle accidents occurred on the northbound lane followed by a similar chain reaction of accidents by rubber-neckers in the southbound lane. In total, fifty-four vehicles were involved in the fog related accident. Of the fifty-four vehicles, 38 were automobiles, 11 were pick-up trucks and 5 were semi-tractor trailer trucks. One 69 year old female fatality occurred when her vehicle was crushed between a car carrier and a flatbed truck. Thirty (30) persons were injured in the mishap.

  • Tropical Storm11/12/2020

    Pinellas

    $40.1M damage

    What happened

    In Pinellas County the highest wind reported from Hurricane Eta was a gust of 60 mph at the weather flow site on Clearwater Beach. Rainfall was generally above 5 inches with the highest rain total being 9.11 inches at a site in St. Petersburg. The wind resulted in many homes being damaged, as well as knocking over trees and power lines. There was also significant beach erosion along southwest facing beaches from Redington Shore to Pass-a-Grill. Pinellas County Emergency Management reported 88 homes with major damage, 621 homes with minor damage, and 1,496 other homes being affected. The total property damage by Eta in Pinellas County was estimated at $40.1 million. The maximum storm surge was 3.47 ft MHHW at St. Pete Beach. Mesonet station FW1789 located in Clearwater Beach reported a wind gust of 60mph/ 69 kts.

  • Tropical Storm09/05/2004

    Pinellas

    $32.4M damage

    What happened

    Hurricane Frances made landfall just after midnight on September 5th near Vero Beach as a Category 2 storm. The hurricane continued to move slowly west northwestward across central Florida to near Bartow by 2 pm, and just northeast of Tampa by 8 pm, when it was downgraded to a tropical storm. It then emerged back into the Gulf of Mexico near Hudson shortly before midnight. Hurricane Frances took almost 24 hours to move through the Florida peninsula. Frances continued northwestward through the northern gulf of Mexico, making a second landfall on the afternoon of September 6th in the Florida big bend near Tallahassee as a tropical storm. In Lee County the observation at Big Carlos Pass recorded a gust to 51 knots (59 MPH) from the west at 12:18 AM EST on 09/05/2004. One direct death was reported when an elderly man was blown over by a wind gust while walking his dog 10 feet outside of his home. He hit his head on the sidewalk and died from blunt force trauma. Fourteen homes were destroyed by the wind. In Sarasota and Manatee Counties the maximum wind recorded at the Sarasota-Bradenton Airport was 46 knots (53 MPH) from the northwest at 12:07 PM EST on 09/05/2004. In...

Drinking water

12 community water systems serve about 1,147,776 people. Violations since 2021.

2 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 1 system had a violation of any kind still open at last report.

  • Pinellas County UtilitiesServes 506,353 · Purchased surface water · Local governmentNo health violations+18 monitoring or reporting
  • St Petersburg, City ofServes 349,979 · Purchased surface water · Local governmentNo health violations+9 monitoring or reporting
  • Clearwater Water SystemServes 115,000 · Groundwater · Local governmentNo health violations+9 monitoring or reporting
  • Pinellas Park Water DeptServes 48,939 · Purchased surface water · Local government3 health violations+11 monitoring or reporting
  • Dunedin Water SystemServes 46,161 · Groundwater · Local governmentNo health violations+32 monitoring or reporting
  • Tarpon Springs Water SystemServes 28,875 · Groundwater · Local governmentNo health violations+6 monitoring or reporting
  • Safety Harbor Water DeptServes 16,473 · Purchased surface water · Local governmentNo health violations+1 monitoring or reporting
  • Oldsmar Water SystemServes 14,898 · Groundwater · Local governmentNo health violations+3 monitoring or reporting

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Pollution sites

1 Superfund site and 34 toxic release facilities in Pinellas County

Superfund sites

Toxic release facilities

Total: 253,949 lbs in 2024, 97,448 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk51 historic places

Frequently asked questions

How risky is Pinellas County for natural disasters?
FEMA rates Pinellas County relatively high for overall natural hazard risk, with expected losses of $303M a year. The highest-rated hazards are lightning (very high), coastal flooding (very high), tornado (very high).
What storms are most common in Pinellas County?
Since 1996, NOAA recorded 759 storm events affecting Pinellas County, most often thunderstorm wind (184), lightning (175), hail (73).
How many tornadoes have hit Pinellas County?
147 tornadoes have been recorded in Pinellas County since 1950, including 3 rated F3/EF3 or stronger.
How many homes in Pinellas County have flood insurance?
76,020 residential flood insurance policies are in force in Pinellas County, covering about 19.4% of homes. The program has paid $3.8B on 51,779 claims here since 1978.
What is the weather like in Pinellas County?
At St Petersburg INTL AP, average highs reach 91°F in Aug and lows fall to 53°F in Jan, with 53.6 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.

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