Natural hazards · Gibsonton

Gibsonton, FL natural hazards

Most of the natural-hazard damage FEMA expects in Gibsonton comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 253 claims here since 1982. 10 federal disasters brought FEMA money into town.

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

How exposed is Gibsonton?

68
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gibsonton to be higher than in 68% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding31%Hurricanes31%Tornadoes16%Cold waves12%Everything else11%
By hazard

What Gibsonton faces

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

Inland flooding

31% of expected damage
Above average · higher than 54% of U.S. places
Recorded about 2 times a year in the area

Hurricanes

31% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about once every 4 years in the area

Tornadoes

16% of expected damage
Above average · higher than 68% of U.S. places

Cold waves

12% 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 windLightningDrought

Not a risk here

Ice 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 Gibsonton flood?

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

253paid claims since 1982
$13.6Mpaid to owners
0homes flooded more than once
19822026

Biggest named events

  • Hurricane Helene: 95 claims, $9.4M
  • Blizzard of 1993: 21 claims, $267K
  • Hurricane Josephine: 21 claims, $291K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Gibsonton 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.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared
1homes raised above flood level
Disasters that hit Gibsonton

10 federal disasters brought FEMA money here

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

Brought FEMA money into GibsontonDeclared for Hillsborough County only
2024

Hurricane Milton

4,599 households applied for aid $6.2M aid approved
2024

Hurricane Helene

1,497 households applied for aid $5.2M aid approved
2024

Hurricane Debby

135 households applied for aid $175K aid approved
2023

Hurricane Idalia

117 households applied for aid $38K aid approved
2022

Hurricane Ian

1,683 households applied for aid $747K aid approved
2017

Hurricane Irma

1,364 households applied for aid $350K aid approved
2016

Hurricane Hermine

2 households applied for aid
2012

Tropical Storm Debby

2 households applied for aid
2004

Hurricane Jeanne

167 households applied for aid $328K aid approved
2004

Hurricane Frances

64 households applied for aid $94K aid approved
Hillsborough County has had 41 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Gibsonton

Gibsonton and the towns around it

Riverview: High, mostly inland floodingApollo Beach: Moderate, mostly hurricanesProgress Village: High, mostly inland floodingBloomingdale: High, mostly inland floodingFish Hawk: High, mostly inland floodingBalm: High, mostly hurricanesBrandon: High, mostly hurricanesPalm River-Clair Mel: Moderate, mostly hurricanesRuskin: Moderate, mostly hurricanesSun City Center: High, mostly inland floodingGibsonton: High, mostly inland flooding GibsontonRiverviewApollo BeachProgress Village
Very lowLowModerateHighVery high
Gibsontonmostly inland floodingHigh
Riverviewmostly inland floodingHigh
Progress Villagemostly inland floodingHigh
Apollo Beachmostly 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. Gibsonton covers 4 census tracts, combined by population.
Money that reached townFlood claims are matched to Gibsonton’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Gibsonton. 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 Gibsonton total about $5.5M 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/19 · 2025-01-01