Property Atlas

County hazard profile

Pinellas, FL

Florida · pop. 958,822 · FIPS 12103

Relatively High
FEMA risk rating · RATING
Lightning
dominant hazard
$303M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the highest nationally

national median $15M/yr Pinellas $303M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively High 98.22/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 59.92/100
national median ~50 near the national middle (60th percentile)
Community resilienceVery Low 10.91/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Pinellas

The National Flood Insurance Program has paid 51,759 flood-insurance claims totaling $3.74B in Pinellas since 1978. The costliest year was 2024 ($3.36B paid).

Flood-insurance dollars paid by year of loss

1978: $137,982 paid 1979: $2,984,050 paid 1980: $97,236 paid 1981: $72,035 paid 1982: $5,199,212 paid 1983: $250,737 paid 1984: $5,518 paid 1985: $51,373,699 paid 1986: $214,172 paid 1987: $134,923 paid 1988: $3,251,677 paid 1989: $24,423 paid 1990: $5,163 paid 1991: $135,291 paid 1992: $170,787 paid 1993: $40,569,585 paid 1994: $15,151 paid 1995: $2,597,054 paid 1996: $50,015,685 paid 1997: $602,578 paid 1998: $462,132 paid 1999: $1,959,780 paid 2000: $1,695,159 paid 2001: $340,374 paid 2002: $312,816 paid 2003: $313,835 paid 2004: $4,605,434 paid 2005: $347,523 paid 2006: $2,692,503 paid 2007: $211,662 paid 2008: $42,558 paid 2009: $103,486 paid 2010: $238,778 paid 2011: $1,047,058 paid 2012: $6,689,877 paid 2013: $216,327 paid 2014: $149,328 paid 2015: $861,513 paid 2016: $2,564,363 paid 2017: $1,132,744 paid 2018: $242,009 paid 2019: $484,898 paid 2020: $50,750,758 paid 2021: $81,826 paid 2022: $99,305 paid 2023: $142,366,294 paid 2024: $3,359,903,239 paid 2025: $206,899 paid 2026: $17,983 paid 2024 · $3.36B 1978 2026
$3.74B
total paid
$72,219
average claim
$5.8M
largest single claim
94%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Pinellas, FL and where it ranks among U.S. counties. It is not a verdict on whether Pinellas is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.