Photo: Philipp Michel Reichold · CC BY-SA 3.0FEMA puts Redington Shores’s expected hazard damage per building above that of 69% of U.S. towns, led by coastal flooding
On FEMA’s National Risk Index, Redington Shores gets a C for hazard risk: higher expected damage per building than 69% of U.S. towns. Most of that expected damage is coastal flooding (41%), then hurricanes (40%). Flood insurance has paid 906 claims here since 1978.
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 Shores’ natural hazards
From FEMA’s model and FEMA’s records, below.
What Redington Shores 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 Shores’ grade
Coastal flooding is 41% of the building damage FEMA expects in Redington Shores, and Redington Shores’ rate of coastal flooding damage is in the top 1% of U.S. census tracts. Hurricanes add 40%, at a rate in the top 10% of U.S. census tracts.
C higher expected damage per building than 69% of U.S. towns (21,298).
Redington Shores’ residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.0M a year in losses across Redington Shores: $815K to buildings, the rest to people and crops.
Does Redington Shores flood? Yes: 906 flood claims since 1978
Every paid claim on a federal flood insurance policy in Redington Shores, from FEMA’s records: 397.5 per 1,000 homes, more than 99% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Helene536 claims · $69.0M
- Hurricane Elena159 claims · $1.2M
- Hurricane Josephine52 claims · $472K
Redington Shores is in FEMA’s Community Rating System (class 6) for its flood-proofing work.
Insurance rates: Pinellas County.9 federal disasters brought FEMA money to Redington Shores
Disasters that paid out in Redington Shores itself (aid to households or repair grants to the Town of Redington Shores), newest first, with that year’s flood claims.
- 2024Hurricane Milton260 households applied for aid$405K aid approved$408K to the Town of Redington Shores for repairs
- 2024Hurricane Helene647 households applied for aid$5.7M aid approved$833K to the Town of Redington Shores for repairs536 flood claims paid for it, $69.0M
- 2024Hurricane Debby8 households applied for aid$6K aid approved$10K to the Town of Redington Shores for repairs
- 2023Hurricane Idalia23 households applied for aid$40K aid approved$59K to the Town of Redington Shores for repairs24 flood claims paid for it, $1.1M
- 2022Hurricane Ian14 households applied for aid$2K aid approved$5K to the Town of Redington Shores for repairs
- 2017Hurricane Irma199 households applied for aid$35K aid approved$69K to the Town of Redington Shores for repairs1 flood claim paid that year
Show all 9
- 2012Tropical Storm Debby9 households applied for aid$3K aid approved$9K to the Town of Redington Shores for repairs4 flood claims paid that year
- 2004Hurricane Jeanne11 households applied for aid$6K aid approved
- 2004Hurricane Frances5 households applied for aid$7K aid approved
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 Shores after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Redington Shores archive →Redington Shores and its neighbors
Redington Shores has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Redington Shores | Cmore damage than 69% | coastal flooding | 906 |
| Indian Shores | Cmore damage than 70% | coastal flooding | 468 |
| North Redington Beach | Dmore damage than 86% | coastal flooding | 468 |
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 Shores 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 Shores residents get 20% 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 Shores
Is Redington Shores at risk for natural disasters?
On FEMA’s National Risk Index, Redington Shores has higher expected damage per building than 69% of U.S. towns: C for hazard risk. Most of the expected damage is coastal flooding (41%) and hurricanes (40%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Redington Shores flood?
Flood insurance has paid 906 claims in Redington Shores since 1978, $74.2M in all, or 397.5 per 1,000 homes, more than 99% of U.S. towns with a flood insurance record. 51 properties have flooded more than once. The most claims came from Hurricane Helene (536).
Is Redington Shores 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 Shores?
Redington Shores is in FEMA’s Community Rating System (class 6), which takes 20% 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 Shores?
By FEMA money that reached Redington Shores, Hurricane Helene (2024): 647 households applied for aid, $5.7M approved, and $833K to the Town of Redington Shores for repairs. By flood claims, Hurricane Helene: 536 paid, $69.0M.
Is Redington Shores at risk from coastal flooding?
It is the largest share of the building damage FEMA expects here (41%), and Redington Shores’ rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Redington Shores.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Redington Shores’ 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.