On FEMA’s figures, Bardmoor faces more hazard damage per building than 80% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Bardmoor gets a C− for hazard risk: higher expected damage per building than 80% of U.S. towns, #334 of 638 in Florida. Most of that expected damage is river and rain flooding (61%), then hurricanes (33%). Flood insurance has paid 50 claims here since 1979.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Bardmoor faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Hurricanes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Bardmoor’s grade
River and rain flooding is 61% of the building damage FEMA expects in Bardmoor, and Bardmoor’s rate of river and rain flooding damage is higher than 75% of U.S. census tracts. Hurricanes add 33%, at a rate in the top 10% of U.S. census tracts.
C− #334 of 638 in Florida; higher expected damage per building than 80% of U.S. towns (21,298).
Bardmoor’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Bardmoor has more expected damage per building than 52% of Florida towns.
In dollars, FEMA expects about $3.2M a year in losses across Bardmoor: $2.4M to buildings, the rest to people and crops.
Does Bardmoor flood? Sometimes: 50 flood claims since 1979
Every paid claim on a federal flood insurance policy in Bardmoor, from FEMA’s records: 11.3 per 1,000 homes, more than 76% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Milton9 claims · $419K
- Hurricane Helene6 claims · $794K
- Hurricane Irma2 claims · $21K
Bardmoor isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Pinellas County.The storms Bardmoor remembers
None of the 32 disasters declared for Pinellas County shows FEMA aid or repair money reaching Bardmoor itself in FEMA’s records, so these are its biggest flood-claim years.
- 202415 flood claims paidThe year of Hurricane Milton, declared for Pinellas County
- 19797 flood claims paidThe year of Severe Storms, Tornadoes and Flooding, declared for Pinellas County
- 19885 flood claims paidNo declaration for the county that year
Pinellas County has had 32 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 3 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Pinellas County, 1999–2001.
Old photos of Bardmoor after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Bardmoor archive →Bardmoor and its neighbors
Bardmoor is 3rd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Pinellas Park | Cmore damage than 66% | hurricanes | 651 |
| Seminole | Cmore damage than 73% | river and rain flooding | 162 |
| Bardmoor | C−more damage than 80% | river and rain flooding | 50 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Bardmoor faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Bardmoor
Is Bardmoor at risk for natural disasters?
On FEMA’s National Risk Index, Bardmoor has higher expected damage per building than 80% of U.S. towns: C− for hazard risk, #334 of 638 in Florida. Most of the expected damage is river and rain flooding (61%) and hurricanes (33%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Bardmoor flood?
Flood insurance has paid 50 claims in Bardmoor since 1979, $1.4M in all, or 11.3 per 1,000 homes, more than 76% of U.S. towns with a flood insurance record. The most claims came from Hurricane Milton (9).
Is Bardmoor in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Pinellas County, 19.4% of all homes carry federal flood insurance.
How much is flood insurance in Bardmoor?
FEMA’s Community Rating System list shows no discount for Bardmoor’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Bardmoor?
By flood claims, Hurricane Milton: 9 paid, $419K.
Is Bardmoor at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (61%), and Bardmoor’s rate for it is higher than 75% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Bardmoor.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Bardmoor’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.