Photo: Wknight94 talk · CC BY-SA 3.0Storms, floods and disasters in Pine Island
Pine Island isn’t graded for hazard risk: Pine Island has 123 residents; we grade towns of 1,000 or more.
What Pine Island faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Coastal flooding
Hurricanes
River and rain flooding
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.
Does Pine Island flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Pine Island. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Pine Island isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hernando County.1 federal disaster brought FEMA money to Pine Island
Disasters that paid out in Pine Island itself (aid to households or repair grants to Pine Island), newest first, with that year’s flood claims.
- 2022Hurricane Ian1 households applied for aid$12K aid approved
Hernando County has had 29 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 Hernando County, 2000–2000.
Old photos of Pine Island after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Pine Island archive →Get ready for what Pine Island faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- 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.
- 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.
- 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 Pine Island
Is Pine Island 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 Hernando County, 54% of homes in mapped flood zones carry federal flood insurance, and 4.8% of all homes do.
How much is flood insurance in Pine Island?
FEMA’s Community Rating System list shows no discount for Pine Island’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 Pine Island?
By FEMA money that reached Pine Island, Hurricane Ian (2022): 1 households applied for aid, $12K approved.
Storm stories
Memories, warnings and help from neighbors in Pine Island.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Pine Island’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.