Natural hazards · Land O' Lakes

Land O' Lakes, FL natural hazards

Most of the natural-hazard damage FEMA expects in Land O' Lakes comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 76 claims here since 1986. 11 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Land O' Lakes?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Land O' Lakes to be higher than in 64% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes43%Inland flooding36%Tornadoes16%Everything else5%

By hazard

What Land O' Lakes 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

36% of expected damage

Below average · higher than 40% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

16% of expected damage

Above average · higher than 69% of U.S. places

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 Land O' Lakes flood?

Every paid claim on a federal flood insurance policy in Land O' Lakes, from FEMA’s records.

76paid claims since 1986

$1.5Mpaid to owners

0homes flooded more than once

19862026

Biggest named events

Hurricane Milton: 17 claims, $1.0M
Hurricane Frances: 4 claims, $20K
Hurricane Irma: 3 claims, $33K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Land O' Lakes 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.

What’s been done with FEMA grants

3buildings retrofitted against wind

Disasters that hit Land O' Lakes

11 federal disasters brought FEMA money here

Disasters the President declared that paid out in Land O' Lakes itself: aid to households, or repair grants to Land O' Lakes.

Brought FEMA money into Land O' LakesDeclared for Pasco County only

2024

Hurricane Milton

4,986 households applied for aid $1.5M aid approved

2024

Hurricane Helene

897 households applied for aid $405K aid approved

2023

Hurricane Idalia

124 households applied for aid $29K aid approved

2022

Hurricane Ian

564 households applied for aid $105K aid approved

2017

Hurricane Irma

2,920 households applied for aid $920K aid approved

2016

Hurricane Hermine

11 households applied for aid $8K aid approved

2012

Tropical Storm Debby

34 households applied for aid $8K aid approved

2004

Hurricane Jeanne

147 households applied for aid $130K aid approved

2004

Hurricane Ivan

10 households applied for aid $3K aid approved

2004

Hurricane Frances

116 households applied for aid $119K aid approved

2004

Tropical Storm Bonnie and Hurricane Charley

16 households applied for aid $37K aid approved

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

Around Land O' Lakes

Land O' Lakes and the towns around it

Very lowLowModerateHighVery high

Wesley Chapelmostly inland floodingHigh

Land O' Lakesmostly hurricanesHigh

Lutzmostly hurricanesHigh

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. Land O' Lakes covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Land O' Lakes’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Land O' Lakes. 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 Land O' Lakes total about $10.2M 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.