Natural hazards · Elfers

Elfers, FL natural hazards

Most of the natural-hazard damage FEMA expects in Elfers comes from hurricanes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 57 claims here since 1982. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Elfers?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Elfers to be higher than in 57% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes43%Inland flooding34%Tornadoes17%Everything else7%

By hazard

What Elfers faces

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

Hurricanes

43% of expected damage

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

Recorded about once every 4 years in the area

Inland flooding

34% of expected damage

Below average · higher than 32% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

17% of expected damage

Above average · higher than 60% of U.S. places

Lower here

Coastal floodingHailCold wavesHeat 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 Elfers flood?

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

57paid claims since 1982

$1.4Mpaid to owners

0homes flooded more than once

19822026

Biggest named events

Tropical Storm Debby: 14 claims, $616K
Hurricane Milton: 3 claims, $90K
Hurricane Irma: 2 claims, $304K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Elfers 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.

Disasters that hit Elfers

5 federal disasters brought FEMA money here

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

Brought FEMA money into ElfersDeclared for Pasco County only

2024

Hurricane Milton

7 households applied for aid $14K aid approved

2024

Hurricane Helene

4 households applied for aid $1K aid approved

2022

Hurricane Ian

3 households applied for aid

2017

Hurricane Irma

8 households applied for aid $3K aid approved

2004

Hurricane Jeanne

1 household applied for aid

Pasco County has had 38 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Elfers

Elfers and the towns around it

Very lowLowModerateHighVery high

Holidaymostly hurricanesHigh

Beacon Squaremostly hurricanesHigh

Elfersmostly hurricanesModerate

New Port Richeymostly 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. Elfers covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Elfers’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Elfers. 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 Elfers total about $3.3M 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.