FEMA expects more hazard damage per building in Bayonet Point than in 72% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Bayonet Point gets a C for hazard risk: higher expected damage per building than 72% of U.S. towns, #206 of 638 in Florida. Most of that expected damage is river and rain flooding (51%), then hurricanes (44%). Flood insurance has paid 59 claims here since 1985.
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 Bayonet Point 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 Bayonet Point’s grade
River and rain flooding is 51% of the building damage FEMA expects in Bayonet Point, and Bayonet Point’s rate of river and rain flooding damage is higher than 54% of U.S. census tracts. Hurricanes add 44%, at a rate in the top 9% of U.S. census tracts.
C #206 of 638 in Florida; higher expected damage per building than 72% of U.S. towns (21,298).
Bayonet Point’s residents live in 10 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, Bayonet Point has less expected damage per building than 68% of Florida towns.
In dollars, FEMA expects about $7.2M a year in losses across Bayonet Point: $5.9M to buildings, the rest to people and crops.
Does Bayonet Point flood? Sometimes: 59 flood claims since 1985
Every paid claim on a federal flood insurance policy in Bayonet Point, from FEMA’s records: 4.4 per 1,000 homes, more than 57% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Debby15 claims · $425K
- Hurricane Hermine8 claims · $165K
- Hurricane Elena4 claims · $30K
Bayonet Point isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Pasco County.4 federal disasters brought FEMA money to Bayonet Point
Disasters that paid out in Bayonet Point itself (aid to households or repair grants to Bayonet Point), newest first, with that year’s flood claims.
- 2024Hurricane Milton13 households applied for aid$9K aid approved3 flood claims paid for it, $91K
- 2024Hurricane Helene3 households applied for aid$4K aid approved
- 2023Hurricane Idalia3 households applied for aid$2K aid approved
- 2017Hurricane Irma34 households applied for aid$12K aid approved1 flood claim paid that year
Pasco County has had 33 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 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Pasco County, 2000–2000.
Old photos of Bayonet Point after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Bayonet Point archive →Bayonet Point and its neighbors
Bayonet Point is 2nd 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 |
|---|---|---|---|
| Jasmine Estates | Cmore damage than 67% | hurricanes | 47 |
| Bayonet Point | Cmore damage than 72% | river and rain flooding | 59 |
| Hudson | C−more damage than 80% | hurricanes | 3,954 |
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 Bayonet Point 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 Bayonet Point
Is Bayonet Point at risk for natural disasters?
On FEMA’s National Risk Index, Bayonet Point has higher expected damage per building than 72% of U.S. towns: C for hazard risk, #206 of 638 in Florida. Most of the expected damage is river and rain flooding (51%) and hurricanes (44%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Bayonet Point flood?
Flood insurance has paid 59 claims in Bayonet Point since 1985, $1.4M in all, or 4.4 per 1,000 homes, more than 57% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Debby (15).
Is Bayonet Point 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 Pasco County, 47% of homes in mapped flood zones carry federal flood insurance, and 10.3% of all homes do.
How much is flood insurance in Bayonet Point?
FEMA’s Community Rating System list shows no discount for Bayonet Point’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 Bayonet Point?
By FEMA money that reached Bayonet Point, Hurricane Irma (2017): 34 households applied for aid, $12K approved. By flood claims, Tropical Storm Debby: 15 paid, $425K.
Is Bayonet Point at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (51%), and Bayonet Point’s rate for it is higher than 54% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Bayonet Point.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Bayonet Point’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.