Natural hazards · Masaryktown

Masaryktown, FL natural hazards

Most of the natural-hazard damage FEMA expects in Masaryktown comes from hurricanes, and overall the risk is high for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Masaryktown?

High

vs. U.S. communities

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

Hurricanes43%Inland flooding39%Tornadoes13%Everything else6%

By hazard

What Masaryktown 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

39% of expected damage

Below average · higher than 45% of U.S. places

Recorded about once a year in the area

Tornadoes

13% 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 Masaryktown flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Masaryktown isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Hernando County.

Disasters that hit Masaryktown

5 federal disasters brought FEMA money here

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

Brought FEMA money into MasaryktownDeclared for Hernando County only

2024

Hurricane Milton

1 household applied for aid

2017

Hurricane Irma

77 households applied for aid $80K aid approved

2012

Tropical Storm Debby

15 households applied for aid $42K aid approved

2004

Hurricane Jeanne

36 households applied for aid $69K aid approved

2004

Hurricane Frances

54 households applied for aid $58K aid approved

Hernando County has had 34 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Masaryktown

Masaryktown and the towns around it

Very lowLowModerateHighVery high

Garden Grovemostly inland floodingVery high

Spring Hillmostly hurricanesHigh

Masaryktownmostly 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. Masaryktown 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 Masaryktown’s own flood-insurance community; household aid to the registrant’s city; repair grants to Masaryktown. 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.