More hazard damage per building is expected in Redington Beach than in 86% of U.S. towns, mostly from coastal flooding
On FEMA’s National Risk Index, Redington Beach gets a D for hazard risk: higher expected damage per building than 86% of U.S. towns. Most of that expected damage is coastal flooding (58%), then hurricanes (28%). Flood insurance has paid 1,611 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 stands out about Redington Beach’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Redington Beach 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.
What’s behind Redington Beach’s grade
Coastal flooding is 58% of the building damage FEMA expects in Redington Beach, and Redington Beach’s rate of coastal flooding damage is in the top 1% of U.S. census tracts. Hurricanes add 28%, at a rate in the top 10% of U.S. census tracts.
D higher expected damage per building than 86% of U.S. towns (21,298).
All of Redington Beach’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $886K a year in losses across Redington Beach: $717K to buildings, the rest to people and crops.
Does Redington Beach flood? Yes: 1,611 flood claims since 1979
Every paid claim on a federal flood insurance policy in Redington Beach, from FEMA’s records: 1,593.5 per 1,000 homes, more than 100% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Helene511 claims · $84.7M
- Hurricane Elena343 claims · $3.5M
- Hurricane Josephine199 claims · $3.0M
Redington Beach is in FEMA’s Community Rating System (class 7) for its flood-proofing work.
Insurance rates: Pinellas County.8 federal disasters brought FEMA money to Redington Beach
Disasters that paid out in Redington Beach itself (aid to households or repair grants to the Town of Redington Beach), newest first, with that year’s flood claims.
- 2024Hurricane Milton229 households applied for aid$459K aid approved
- 2024Hurricane Helene498 households applied for aid$6.0M aid approved$179K to the Town of Redington Beach for repairs511 flood claims paid for it, $84.7M
- 2023Hurricane Idalia58 households applied for aid$205K aid approved$102K to the Town of Redington Beach for repairs94 flood claims paid for it, $6.0M
- 2022Hurricane Ian12 households applied for aid$12K aid approved$18K to the Town of Redington Beach for repairs
- 2017Hurricane Irma141 households applied for aid$35K aid approved$25K to the Town of Redington Beach for repairs1 flood claim paid that year
- 2016Hurricane Hermine2 households applied for aid$3K aid approved5 flood claims paid that year
Show all 8
- 2012Tropical Storm Debby29 households applied for aid$43K aid approved31 flood claims paid that year
- 2004Hurricane Frances5 households applied for aid$630 aid approved$12K to the Town of Redington Beach for repairs6 flood claims paid 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 Redington Beach after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Redington Beach archive →Redington Beach and its neighbors
Redington Beach 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 |
|---|---|---|---|
| Madeira Beach | Dmore damage than 86% | coastal flooding | 3,094 |
| North Redington Beach | Dmore damage than 86% | coastal flooding | 468 |
| Redington Beach | Dmore damage than 86% | coastal flooding | 1,611 |
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 Redington 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.
- 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.
- Redington Beach residents get 15% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Redington Beach
Is Redington Beach at risk for natural disasters?
On FEMA’s National Risk Index, Redington Beach has higher expected damage per building than 86% of U.S. towns: D for hazard risk. Most of the expected damage is coastal flooding (58%) and hurricanes (28%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Redington Beach flood?
Flood insurance has paid 1,611 claims in Redington Beach since 1979, $108M in all, or 1,593.5 per 1,000 homes, more than 100% of U.S. towns with a flood insurance record. 202 properties have flooded more than once. The most claims came from Hurricane Helene (511).
Is Redington 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 Pinellas County, 19.4% of all homes carry federal flood insurance.
How much is flood insurance in Redington Beach?
Redington Beach is in FEMA’s Community Rating System (class 7), which takes 15% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Redington Beach?
By FEMA money that reached Redington Beach, Hurricane Helene (2024): 498 households applied for aid, $6.0M approved, and $179K to the Town of Redington Beach for repairs. By flood claims, Hurricane Helene: 511 paid, $84.7M.
Is Redington Beach at risk from coastal flooding?
It is the largest share of the building damage FEMA expects here (58%), and Redington Beach’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Redington Beach.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Redington 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.