Each edition grades its towns against each other only.
Homes are expensive, about $794K for a typical one and 10.7 times the Tampa metro’s $74K median household income. Overall it grades C+, 240th of 634 graded towns in Florida. It is more walkable than 97% of U.S. towns and 1% of its land is conserved. Its weakest subject is hazard risk: FEMA rates its natural-hazard risk higher than 77% of U.S. communities, with coastal flooding at the top. 37% of residents are 65 or older in Indian Rocks Beach, against 20% in Florida’s towns and 18% across U.S. towns. On civic life, just 25 of Florida’s 327 towns do better.
Where Indian Rocks Beach beats most towns.
Coastal flooding makes up 52% of the storm damage FEMA expects here.
24.9% of homes are seasonal or vacation homes, so the town is fuller in summer than its census count suggests.
FEMA National Risk Index · OpenFEMA · OpenStreetMap
Each subject compared with towns across the country (schools within Florida), ordered by how far Indian Rocks Beach is from typical.
Its grades run from A+ for walkability (better than 97% of comparable towns) to D− for cost of living (better than 1%), so the C+ overall blends very different results.
How TownRatings grades towns →
Census counts: 1,940 in 1960, a peak of 5,072 in 2000, 3,673 in 2020. The archive holds 12 old photos and papers going back to 1957 and 4 maps from 1956 on.
Museums, parks, gardens and other places to visit around Indian Rocks Beach. Close and well known come first.
Big draw15 mi Stadium & arenaTropicana Field
Big draw22 mi Stadium & arenaRaymond James Stadium
28 mi BeachAnna Maria Island
24 mi Stadium & arenaBenchmark International Arena
28 mi Theme parkBusch Gardens Tampa4.0M visitors a year
16 mi MuseumSalvador Dalí MuseumTropicana Field: EaglesFanInTampa, CC BY-SA 3.0 · Raymond James Stadium: NASA, Public domain · Anna Maria Island: Bfpage at English Wikipedia, CC BY 3.0 · Benchmark International Arena: Miosotis Jade, CC BY-SA 4.0 · Busch Gardens Tampa: Wolle8ball, CC BY 3.0 · Salvador Dalí Museum: Taty2007, CC BY 3.0
Who provides power, water and the rest in Indian Rocks Beach, and how to reach them.
EPA SDWIS (Oct 9, 2026) · HIFLD + EIA-861 2025 · Census 2020 ZCTAs · NCES 2024–25 · registration: vote.gov, updated Nov 17, 2025.
Ordered by what stands out in Indian Rocks Beach.
Indian Rocks Beach fares better on crime within Florida than nationally and has milder winter nights than nearly all U.S. towns, but it has homes that cost more against local pay than most of Florida.
At 10.7 years of the Tampa metro’s $74K median household income, the typical home (about $794K) costs more against local pay than in 96% of Florida towns; that ratio is one input to its D− for cost of living. Its typical home is the priciest on its borders; Harbor Bluffs is next at $659K.
Indian Rocks Beach’s median rent is $1,863 a month. The typical Indian Rocks Beach home is worth about $794,000, up 2% in a year, about twice the Florida typical home.
| Indian Rocks Beach | Florida towns | U.S. towns | |
|---|---|---|---|
| Median rent | $1,863 a month | $1,647 a month | $1,185 a month |
| Households that own their home | 76% | 72% | 73% |
Census ACS, 2020–24 · Zillow Home Value Index · Redfin Data Center
3.5 miles of trail in 3 parks and preserves. The trail density in Indian Rocks Beach is 1.8 miles per square mile.
| Indian Rocks Beach | Florida towns | U.S. towns | |
|---|---|---|---|
| Miles of trail per square mile | 1.8 miles per square mile | 0.4 | 0.4 |
| Conserved land | 1.3% | 3% | 4.3% |
| Biggest places to walk | Trails | Acres |
|---|---|---|
| 1. Indian Rocks Beach Nature Preserve | 0.6 mi | 9 |
| 2. Kolb Park | — | 3 |
| 3. Brown Park | — | 1 |
Trails & parks © OpenStreetMap contributors · Conserved land: USGS PAD-US
1,831 flood insurance claims have been filed here, and 82 properties have flooded more than once.
Since 1978, 1,831 flood insurance claims have been paid out in Indian Rocks Beach.
FEMA flood insurance claims · FEMA National Risk Index · OpenFEMA
Its widest gap with Florida is no health insurance: 7.3% of those 18–64 have no health insurance, against 15.9% statewide.
Indian Rocks Beach beats the Florida average on 16 of 31 CDC measures and trails it on 4. 14% of adults report frequent mental distress in Indian Rocks Beach.
| Indian Rocks Beach | Florida towns | U.S. towns | |
|---|---|---|---|
| Frequent mental distress (CDC PLACES) | 14% | 16% | 17% |
| Sleep under 7 hours (CDC PLACES) | 32% | 37% | 36% |
| Yearly checkup (CDC PLACES) | 83% | 79% | 79% |
| Food insecurity (CDC PLACES) | 8.7% | 15% | 14% |
| What stands out | Indian Rocks Beach | FL |
|---|---|---|
| Fewer uninsured adults | 7.3% | 15.9% |
| Fewer adults facing food insecurity | 8.7% | 16.8% |
| More adults who have had cancer | 13.9% | 9.1% |
CDC PLACES 2025 · modeled estimates for adults · CMS · HRSA
January nights average 52.1°, milder than in 99% of U.S. towns; July afternoons average 90.2°.
Indian Rocks Beach has warm winters and warm summers, with plenty of rain. Snow is almost unheard of.
| Indian Rocks Beach | Florida towns | U.S. towns | |
|---|---|---|---|
| January low | 52°F | 51°F | 22°F |
| July high | 90°F | 91°F | 85°F |
NOAA U.S. Climate Normals, 1991–2020
Indian Rocks Beach has about as many jobs (1,479) as working residents, but only 110 people both live and work here. 33.7% of workers work from home, against 15.7% across Florida.
Most working residents leave Indian Rocks Beach for work: only 7% work in town. 34% of Indian Rocks Beach workers work from home. Jobs based in Indian Rocks Beach grew to 1,479 in 2023, 267 more than in 2013.
| Indian Rocks Beach | Florida towns | U.S. towns | |
|---|---|---|---|
| Work from home | 34% | 14% | 11% |
| Median household income | $99,000 | $73,000 | $80,000 |
| Average trip to work | 25 minutes | 27 minutes | 25 minutes |
Census LEHD 2023 · ACS
At 21.8 crimes per 1,000 residents a year, it reports less crime than 56% of Florida’s graded towns. Reported crimes fell from 107 to 28 over the last three FBI years, a drop beyond ordinary year-to-year swings.
Among 132 Florida towns, just 2 have a lower violent crime rate than Indian Rocks Beach.
| Indian Rocks Beach | Florida towns | U.S. towns | |
|---|---|---|---|
| Violent crimes per 1,000 (2025) | 0 per 1,000 residents | 2.1 | 1.6 |
| Property crimes per 1,000 (2025) | 7.7 per 1,000 residents | 12.6 | 9.9 |
FBI crime data, 2025 · crimes reported to police
2 within 15 miles of the center of Indian Rocks Beach
About 6 of every 100 Indian Rocks Beach residents are enrolled in college, about the same as Florida.
4,113 counted in 2010 and 3,673 in 2020; an estimated 3,563 in 2025.
The decline has continued: down 3% since 2020, after 10.7% in the decade before.
U.S. Census 2010 & 2020 counts · Census Bureau estimate, July 1, 2025
City in Florida, United States
Indian Rocks Beach, or IRB, is a city in Pinellas County, Florida, United States. Indian Rocks Beach is part of the Tampa-St. Petersburg-Clearwater, FL Metropolitan Statistical Area. Located on the barrier island Sand Key, it has over two miles of beach along the Gulf of Mexico, with 26 public beach accesses. Tourism is its primary industry. It was incorporated in 1956. The population was 3,673 at the 2020 census.
From Wikipedia, licensed CC BY-SA 4.0 · facts via Wikidata (CC0)
3 towns share a border with Indian Rocks Beach.
| Town | FL rank | Overall | Cost | Safety | Schools | Health |
|---|---|---|---|---|---|---|
| Indian Rocks Beach | #240 | C+ | D− | C+ | B | B+ |
| Largo | #366 | C | C | C | B | B− |
| Harbor Bluffs | #179 | B− | D | — | B | A− |
| Indian Shores | — | — | D− | A− | B | A− |
Indian Shores has fewer than 2,500 residents, so it gets subject grades but no overall grade. Harbor Bluffs reports no FBI crime data of its own. Compare Indian Rocks Beach with a neighbor →
Short answers, built from the data on this page.
Indian Rocks Beach grades C+ overall, better than 42% of U.S. towns and #240 of 634 in Florida. It grades B+ for health, C+ for safety and B for schools. Cost of living is its weak spot, with a D−.
Yes. Petersburg-Clearwater, FL metro area). Cost of living, which also weighs rents, property taxes and how many households pay 30% or more of their income for housing, grades D−.
2 notable people were born here, including Tfue and Sean Culkin.
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