Natural hazards · Carrollwood

Carrollwood, FL natural hazards

Most of the natural-hazard damage FEMA expects in Carrollwood comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 90 claims here since 1979. 4 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Carrollwood?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Carrollwood to be higher than in 64% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes37%Inland flooding30%Tornadoes17%Cold waves11%Everything else6%

By hazard

What Carrollwood faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Hurricanes

37% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

30% of expected damage

Below average · higher than 40% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

17% of expected damage

Above average · higher than 70% of U.S. places

Cold waves

11% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 4 times a year in the area

Lower here

Coastal floodingHailHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Ice stormsWinter weatherDroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Carrollwood flood?

Every paid claim on a federal flood insurance policy in Carrollwood, from FEMA’s records.

90paid claims since 1979

$4.4Mpaid to owners

0homes flooded more than once

19792026

Biggest named events

Hurricane Milton: 34 claims, $3.9M
Hurricane Irma: 3 claims, $25K
Hurricane Elena: 3 claims, $14K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Carrollwood isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Hillsborough County.

Disasters that hit Carrollwood

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in Carrollwood itself: aid to households, or repair grants to Carrollwood.

Brought FEMA money into CarrollwoodDeclared for Hillsborough County only

2024

Hurricane Milton

17 households applied for aid $2K aid approved

2024

Hurricane Helene

3 households applied for aid

2022

Hurricane Ian

6 households applied for aid $2K aid approved

2017

Hurricane Irma

1 household applied for aid

Hillsborough County has had 41 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Carrollwood

Carrollwood and the towns around it

Very lowLowModerateHighVery high

Carrollwoodmostly hurricanesHigh

Citrus Parkmostly hurricanesHigh

Northdalemostly hurricanesHigh

Tampamostly hurricanesHigh

Lake Magdalenemostly hurricanesHigh

Egypt Lake-Letomostly hurricanesModerate

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Carrollwood covers 9 census tracts, combined by population.

Money that reached townFlood claims are matched to Carrollwood’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Carrollwood. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Carrollwood total about $11.9M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.