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–Not graded
Natural hazards in Beverly Beach · FEMA

Storms, floods and disasters in Beverly Beach

Beverly Beach isn’t graded for hazard risk: Beverly Beach has 607 residents; we grade towns of 1,000 or more. Flood insurance has paid 143 claims here since 1994.

Flood claims
143
paid since 1994 · $3.0M
Flooded more than once
34
properties · 3 “severe repetitive loss”
Disasters paid out here
6
of 24 declared for Flagler County
By hazard

What Beverly Beach faces

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

Hurricanes

54%of expected building damage
Well above average · in the top 7% of U.S. census tracts
Recorded about once every 4 years in the area

River and rain flooding

38%of expected building damage
Below average · lower than 62% of U.S. census tracts
Recorded about once a year in the area
Smaller shares here
 Coastal flooding top 3% Tornadoes Strong wind Wildfire Earthquakes Lightning Hail Cold waves Heat waves Landslides
FEMA models no building damage here
Winter stormsIce stormsAvalanchesTsunamisVolcanic activity

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.

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 Beverly Beach flood? Yes: 143 flood claims since 1994

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

Paid flood claims, by year
1994: 1 claim1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 2 claims2002: 0 claims2003: 0 claims2004: 13 claims2005: 0 claims2006: 0 claims2007: 3 claims2008: 0 claims2009: 3 claims2010: 0 claims2011: 1 claim2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 22 claims2017: 44 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 49 claims2023: 0 claims2024: 5 claims2025: 0 claims2026: 0 claims201620172022
19942026
Biggest named events
  • Hurricane Irma44 claims · $1.6M
  • Hurricane Nicole27 claims · $740K
  • Hurricane Matthew21 claims · $342K
143
paid claims since 1994
$3.0M
paid to owners
34
homes flooded more than once
$21K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (3)Flooded 2+ times
of all homes are insured
No community discount

Beverly Beach isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Flagler County.
Disasters

6 federal disasters brought FEMA money to Beverly Beach

Disasters that paid out in Beverly Beach itself (aid to households or repair grants to the Town of Beverly Beach), newest first, with that year’s flood claims.

  1. 2024Hurricane Milton2 households applied for aid$10K aid approved$14K to the Town of Beverly Beach for repairs5 flood claims paid for it, $31K
  2. 2022Hurricane Ian6 households applied for aid$20K aid approved19 flood claims paid for it, $181K
  3. 2017Hurricane Irma30 households applied for aid$99K aid approved44 flood claims paid for it, $1.6M
  4. 2016Hurricane Matthew24 households applied for aid$56K aid approved$11K to the Town of Beverly Beach for repairs21 flood claims paid for it, $342K
  5. 2001Severe Storms, Tornadoes and Flooding Associated with Tropical Storm Gabrielle$3K to the Town of Beverly Beach for repairs2 flood claims paid that year
  6. 1999Hurricane Floyd Major Disaster Declarations$3K to the Town of Beverly Beach for repairs
Disasters declared, by decade
Paid out in Beverly BeachFlagler County only

Flagler County has had 24 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 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Flagler County, 2000–2007.

Were you here?

Old photos of Beverly Beach after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Beverly Beach archive →
Be ready

Get ready for what Beverly Beach faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

Hurricane season
  • 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.
More from Ready.gov ↗
When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Beverly Beach

Does Beverly Beach flood?

Flood insurance has paid 143 claims in Beverly Beach since 1994, $3.0M in all. 34 properties have flooded more than once. The most claims came from Hurricane Irma (44).

Is Beverly Beach 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 Flagler County, 15.2% of all homes carry federal flood insurance.

How much is flood insurance in Beverly Beach?

FEMA’s Community Rating System list shows no discount for Beverly Beach’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 Beverly Beach?

By FEMA money that reached Beverly Beach, Hurricane Irma (2017): 30 households applied for aid, $99K approved. By flood claims, Hurricane Irma: 44 paid, $1.6M.

Storm stories

Memories, warnings and help from neighbors in Beverly Beach.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Beverly Beach’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.