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Risk: Relatively High

Pasco County, FL Environment & Hazard Risk

Relatively High natural hazard risk, led by tornado. 425 storm events since 1996.

Expected yearly loss
$199M
Relatively High nationally
Storm events since 1996
425
Most often thunderstorm wind
Flood insurance policies
23,604
10.3% of homes
Hurricanes nearby
9
25 tropical storms or stronger since 1872

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively High

Score 96.0 of 100

Social vulnerability

Relatively Low

Score 39.7 of 100

Community resilience

Very Low

Score 10.4 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $101B · Agriculture value exposed: $83.7M · Risk-adjusted yearly loss: $214M

Risk by hazard

  • TornadoRelatively High$27.5M/yr expected annual loss, about once every 1 year
  • HurricaneVery High$77.7M/yr expected annual loss, about once every 4 years
  • LightningVery High$2.5M/yr expected annual loss, about 94 events a year
  • WildfireRelatively Moderate$3.8M/yr expected annual loss, about once every 189 years
  • Coastal floodingRelatively High$6.2M/yr expected annual loss, about 3.7 events a year
  • Heat waveRelatively Moderate$3M/yr expected annual loss, about 2.9 events a year
  • Strong windRelatively Moderate$1.1M/yr expected annual loss, about once every 1 year
  • Cold waveRelatively Low$1.5M/yr expected annual loss, about 4.2 events a year
  • EarthquakeVery Low$203K/yr expected annual loss, about once every 2,688 years
  • LandslideVery Low$922/yr expected annual loss, about once every 12 years
  • HailVery Low$116K/yr expected annual loss, about 1.9 events a year
  • DroughtVery Low$3,270/yr expected annual loss, about 17 events a year

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, ice storm, riverine flooding, tsunami, volcanic activity, winter weather.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
23,604 of 229,196 (10.3%)
Homes in high-risk flood zones
35,604
Insured in high-risk zones
16,709 (47%)
Flood claims since 1978
14,544
Claims paid since 1978
$693M

Flood claims paid per year

Flood claims paid per year in Pasco County
Beta
  • Hurricane Helene$478M · 4,261 claims
  • Blizzard of 1993$71.2M · 2,969 claims
  • Hurricane Idalia$52.8M · 788 claims
  • Hurricane Milton$24M · 579 claims
  • Tropical Storm Debby$12.1M · 684 claims
  • Hurricane Hermine$11.3M · 428 claims

Storm history

Since 1996: 425 events, 6 deaths, $143M in damage

  • Thunderstorm Wind158
  • Hail79
  • Flood49 · 1 death
  • Tornado36
  • Lightning31 · 3 deaths
  • Heavy Rain24
  • Tropical Storm18 · 1 death
  • Waterspout6
  • Flash Flood6
  • Funnel Cloud4
Beta

Events per year

Storm events per year in Pasco County
14
19
12
14
9
11
14
10
12
11
11
12
8
5
5
12
4
11
5
4
Beta

98 tornadoes on record (EF0 8, EF1 8, F0 51, F1 17, F2 6).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Flood09/03/2016

    Elfers, Pasco County

    $89M damage

    What happened

    Heavy rains, mostly from Hurricane Hermine brought the Anclote River at Elfers into major flood stage, cresting at 25.08 feet at 1830EST on the 3rd. The river was in moderate or major flood stage from 0400EST on the 3rd through 0100EST on the 6th. In total, 2,672 properties were impacted, with 1,565 homes with minor damage, 305 homes with major damage, and 7 homes destroyed. In total, damage from the flooding was estimated to be $89 million.

  • Hurricane (Typhoon)09/09/2017

    Coastal Pasco

    1 death, $7M damage

    What happened

    In coastal portions of Pasco County, winds from Hurricane Irma were estimated to be 60-70 knots based on surrounding observations. Rainfall was generally around 4 inches or greater, with the highest rain total 6.83 inches at the GOES site LWOF1 near Port Richey. The wind resulted in damage to numerous homes, as well as knocking over trees and power lines.||The total damage from Irma in Pasco County was estimated at $860,000 in public assistance claims, including debris removal and emergency protective measures, of which, $200,0000 was estimated to be caused by wind damage in coastal portions of Pasco County. ||One indirect fatality was reported in Port Richey on the 8th when a 69 year old man evacuating ahead of Irma crashed into a tree.

  • Lightning07/26/2001

    San Antonio, Pasco County

    1 death, 3 injured

    What happened

    A 42 year old male road crew worker was struck and killed by lightning and three others injured slightly near Darby Road, two miles east of Bellamy Brothers Boulevard, in east central Pasco county. Lightning struck an aluminum rod held by the man as he walked down the middle of an unpaved road just prior to the beginning of rainfall. The three other road crew workers were knocked off their feet and briefly stunned by the lightning strike.

  • Flood06/24/2012

    New Port Richey, Pasco County

    1 death, $2M damage

    What happened

    The Anclote River at Elfers began to flood on the 24th due primarily to heavy rains from Tropical Storm Debby. The river crested early on the morning of the 26th at 26.74 feet, or 6.74 feet above flood stage, and then fell below flood stage on the 29th. As many as 15,000 people were evacuated from 7,000 homes due to the rising flood waters. Homes at Anclote River Estates were standing in several feet of water.||On the 27th, the body of a 46 year old man was found floating in the Anclote River. The Medical Examiner determined that the man died of accidental drowning, with a cardiovascular factor, but no other details are known.

  • Tropical Storm09/11/2017

    Inland Pasco

    $10.3M damage

    What happened

    In Inland Pasco County, winds from Hurricane Irma were estimated to be around 40-60 knots, with the highest wind reported was a gust to 48 knots at the WeatherFlow station XLOL in Land O' Lakes. Rainfall was generally around 6 inches or greater, with the highest rain total being 9.64 inches at the GOES station WRCF1 in Richland. The wind resulted in damage to numerous homes and businesses, as well as knocking over trees and power lines. ||The non-insured property damage in Pasco County was estimated at $10,303,487, including for debris removal and emergency protective measures. Additionally, crop damage to citrus plants in Pasco County was roughly estimated at $7.3 million.

  • Lightning08/17/2006

    Wesley Chapel, Pasco County

    1 death

    What happened

    A 16-year-old roofer weas struck and killed by lightning as he was reaching down for the nail gun.

Drinking water

67 community water systems serve about 398,563 people. Violations since 2021.

3 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 26 systems had a violation of any kind still open at last report.

  • Pcud-Pasco County Regional PwsServes 214,403 · Purchased surface water · Local government2 health violations+10 monitoring or reporting
  • New Port Richey Water DeptServes 33,000 · Purchased surface water · Local governmentNo health violations+4 monitoring or reporting
  • Seven SpringsServes 32,834 · Groundwater · PrivateNo health violations+9 monitoring or reporting
  • Zephyrhills City ofServes 29,117 · Groundwater · Local governmentNo health violations+13 monitoring or reporting
  • Dade City Water DeptServes 15,561 · Groundwater · Local governmentNo health violations+16 monitoring or reporting
  • Aloha Gardens UtilitiesServes 8,136 · Purchased surface water · PrivateNo health violations+14 monitoring or reporting
  • Port Richey Water Dept-City ofServes 7,732 · Groundwater · Local government1 health violation+31 monitoring or reporting
  • Hudson Water WorksServes 7,169 · Groundwater · Local governmentNo health violations+20 monitoring or reporting

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Pollution sites

0 Superfund sites and 16 toxic release facilities in Pasco County

Superfund sites

None in this county.

Toxic release facilities

Total: 55,849 lbs in 2024, 55,016 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk7 historic places

Frequently asked questions

How risky is Pasco County for natural disasters?
FEMA rates Pasco County relatively high for overall natural hazard risk, with expected losses of $199M a year. The highest-rated hazards are tornado (relatively high), hurricane (very high), lightning (very high).
What storms are most common in Pasco County?
Since 1996, NOAA recorded 425 storm events affecting Pasco County, most often thunderstorm wind (158), hail (79), flood (49).
How many tornadoes have hit Pasco County?
98 tornadoes have been recorded in Pasco County since 1950.
How many homes in Pasco County have flood insurance?
23,604 residential flood insurance policies are in force in Pasco County, covering about 10.3% of homes. The program has paid $693M on 14,544 claims here since 1978.
What is the weather like in Pasco County?
At Saint Leo, average highs reach 90°F in Jul and lows fall to 49°F in Jan, with 53.5 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.

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