Lutz, FL natural hazards
Most of the natural-hazard damage FEMA expects in Lutz comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 72 claims here since 1979. 11 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Lutz?
FEMA expects yearly storm and flood damage to homes and buildings in Lutz to be higher than in 64% of U.S. communities, mostly from hurricanes and inland flooding.
What Lutz faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Hurricanes
Inland flooding
Tornadoes
Cold waves
Lower here
Not a risk here
Does Lutz flood?
Every paid claim on a federal flood insurance policy in Lutz, from FEMA’s records.
Biggest named events
- Hurricane Milton: 15 claims, $657K
- Hurricane Frances: 9 claims, $76K
- Hurricane Irma: 7 claims, $176K
are insured
are insured
What’s been done with FEMA grants
11 federal disasters brought FEMA money here
Disasters the President declared that paid out in Lutz itself: aid to households, or repair grants to Lutz.
Hurricane Milton
Hurricane Helene
Hurricane Debby
Hurricane Idalia
Hurricane Ian
Hurricane Irma
Hurricane Hermine
Tropical Storm Debby
Hurricane Jeanne
Hurricane Frances
Tropical Storm Bonnie and Hurricane Charley
Lutz and the towns around it
How to read this page
FEMA’s expected losses across Lutz total about $11.3M 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.