Natural hazards · Dade

Dade, FL natural hazards

Most of the natural-hazard damage FEMA expects in Dade comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 29 claims here since 1979. 13 federal disasters brought FEMA money into town.

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

How exposed is Dade?

66
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Dade to be higher than in 66% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes42%Inland flooding38%Tornadoes14%Everything else6%
By hazard

What Dade faces

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

Hurricanes

42% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about once every 4 years in the area

Inland flooding

38% of expected damage
Below average · higher than 46% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

14% of expected damage
Above average · higher than 67% of U.S. places

Lower here

HailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingIce stormsWinter weatherAvalanchesTsunamisVolcanic 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 Dade flood?

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

29paid claims since 1979
$522Kpaid to owners
3homes flooded more than once
19792026

Biggest named events

  • Hurricane Irene: 5 claims, $35K
  • Hurricane Elena: 3 claims, $8K
  • Blizzard of 1993: 2 claims, $46K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Dade isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Pasco County.

What’s been done with FEMA grants

8buildings retrofitted against wind
1flood-prone properties bought out and cleared
Disasters that hit Dade

13 federal disasters brought FEMA money here

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

Brought FEMA money into DadeDeclared for Pasco County only
2024

Hurricane Milton

6,733 households applied for aid $10.7M aid approved $265K to the City of Dade for repairs
2024

Hurricane Helene

822 households applied for aid $1.1M aid approved $12K to the City of Dade for repairs
2024

Hurricane Debby

$6K to the City of Dade for repairs
2023

Hurricane Idalia

335 households applied for aid $184K aid approved
2022

Hurricane Ian

740 households applied for aid $334K aid approved
2017

Hurricane Irma

4,592 households applied for aid $2.8M aid approved $152K to the City of Dade for repairs
2016

Hurricane Hermine

18 households applied for aid $13K aid approved
2012

Tropical Storm Debby

88 households applied for aid $126K aid approved $3K to the City of Dade for repairs
2004

Hurricane Jeanne

1,033 households applied for aid $1.5M aid approved $203K to the City of Dade for repairs
2004

Hurricane Ivan

41 households applied for aid $7K aid approved
2004

Hurricane Frances

665 households applied for aid $957K aid approved $196K to the City of Dade for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

76 households applied for aid $135K aid approved $7K to the City of Dade for repairs
2003

Severe Storms and Flooding

$15K to the City of Dade for repairs
Pasco County has had 38 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Dade

Dade and the towns around it

Dade City North: High, mostly hurricanesPasadena Hills: High, mostly inland floodingZephyrhills: High, mostly inland floodingSt. Leo: Moderate, mostly hurricanesWesley Chapel: High, mostly inland floodingSan Antonio: Moderate, mostly hurricanesDade City: High, mostly hurricanes Dade CityDade City NorthPasadena Hills
Very lowLowModerateHighVery high
Pasadena Hillsmostly inland floodingHigh
Dade City Northmostly hurricanesHigh
Dade Citymostly hurricanesHigh
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. Dade covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Dade’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Dade. 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 Dade total about $3.0M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01