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Natural hazards · Lacoochee

Lacoochee, FL natural hazards

Most of the natural-hazard damage FEMA expects in Lacoochee comes from inland flooding, and overall the risk is high for a U.S. community. 8 federal disasters brought FEMA money into town.

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

How exposed is Lacoochee?

78
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lacoochee to be higher than in 78% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding44%Hurricanes33%Tornadoes11%Everything else11%
By hazard

What Lacoochee faces

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

Inland flooding

44% of expected damage
Well above average · higher than 75% of U.S. places
Recorded about 2 times a year in the area

Hurricanes

33% 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 66% of U.S. places
Recorded about once every 13 years in the area

Lower here

HailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingIce 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 Lacoochee flood?

FEMA's records show no paid flood insurance claims in Lacoochee.

of homes in flood zones
are insured
of all homes
are insured
No community discount. Lacoochee 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 Lacoochee

8 federal disasters brought FEMA money here

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

Brought FEMA money into LacoocheeDeclared for Pasco County only
2024

Hurricane Milton

16 households applied for aid $37K aid approved
2022

Hurricane Ian

1 household applied for aid
2017

Hurricane Irma

47 households applied for aid $68K aid approved
2012

Tropical Storm Debby

5 households applied for aid $6K aid approved
2004

Hurricane Jeanne

71 households applied for aid $164K aid approved
2004

Hurricane Ivan

1 household applied for aid $1K aid approved
2004

Hurricane Frances

40 households applied for aid $103K aid approved
2004

Tropical Storm Bonnie and Hurricane Charley

5 households applied for aid $14K aid approved
Pasco County has had 38 natural disasters declared since 1953, most often hurricanes and severe storms.
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. Lacoochee is smaller than a census tract, so it shares the figures of the tract around its center.
Money that reached townFlood claims are matched to Lacoochee’s own flood-insurance community; household aid to the registrant’s city; repair grants to Lacoochee. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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
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