Natural hazards · Keystone

Keystone, FL natural hazards

Most of the natural-hazard damage FEMA expects in Keystone comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 58 claims here since 1988. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Keystone?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Keystone to be higher than in 65% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding38%Hurricanes38%Tornadoes11%Cold waves8%Everything else6%

By hazard

What Keystone faces

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

Inland flooding

38% of expected damage

Below average · higher than 49% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

38% of expected damage

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

Recorded about once every 4 years in the area

Tornadoes

11% of expected damage

Above average · higher than 63% of U.S. places

Cold waves

8% 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 Keystone flood?

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

58paid claims since 1988

$1.9Mpaid to owners

0homes flooded more than once

19882026

Biggest named events

Hurricane Milton: 15 claims, $672K
Hurricane Frances: 7 claims, $70K
Hurricane Jeanne: 2 claims, $5K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Keystone 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 Keystone

1 federal disaster brought FEMA money here

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

Brought FEMA money into KeystoneDeclared for Hillsborough County only

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 Keystone

Keystone and the towns around it

Very lowLowModerateHighVery high

East Lakemostly inland floodingHigh

Odessamostly inland floodingHigh

Trinitymostly inland floodingHigh

Keystonemostly inland floodingHigh

Citrus Parkmostly hurricanesHigh

Northdalemostly hurricanesHigh

Chevalmostly hurricanesModerate

Westchasemostly 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. Keystone covers 6 census tracts, combined by population.

Money that reached townFlood claims are matched to Keystone’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Keystone. 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 Keystone total about $12.4M 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.