Natural hazards · Lake Magdalene

Lake Magdalene, FL natural hazards

Most of the natural-hazard damage FEMA expects in Lake Magdalene comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 134 claims here since 1979. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Lake Magdalene?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Magdalene to be higher than in 60% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes39%Inland flooding27%Tornadoes18%Cold waves11%Everything else6%

By hazard

What Lake Magdalene faces

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

Hurricanes

39% of expected damage

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

Recorded about once every 4 years in the area

Inland flooding

27% of expected damage

Below average · higher than 29% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

18% of expected damage

Above average · higher than 71% of U.S. places

Cold waves

11% 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 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 Lake Magdalene flood?

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

134paid claims since 1979

$7.5Mpaid to owners

0homes flooded more than once

19792026

Biggest named events

Hurricane Milton: 74 claims, $6.6M
Hurricane Irma: 4 claims, $72K
Hurricane Frances: 4 claims, $82K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Lake Magdalene 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 Lake Magdalene

1 federal disaster brought FEMA money here

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

Brought FEMA money into Lake MagdaleneDeclared for Hillsborough County only

2017

Hurricane Irma

3 households applied for aid

Hillsborough County has had 41 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Lake Magdalene

Lake Magdalene and the towns around it

Very lowLowModerateHighVery high

Lutzmostly hurricanesHigh

Carrollwoodmostly hurricanesHigh

Northdalemostly hurricanesHigh

Tampamostly hurricanesHigh

Lake Magdalenemostly hurricanesHigh

Universitymostly 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. Lake Magdalene covers 8 census tracts, combined by population.

Money that reached townFlood claims are matched to Lake Magdalene’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Lake Magdalene. 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 Lake Magdalene total about $9.8M 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.